FULL SERVICE ELECTRONIC INVESTING FROM CHARLES SCHWAB

brokerage services in the fields of securities, stocks, bonds, mutual funds, money market funds, commodities, futures, options, and indices of any of them; investment services in the fields of securities, stocks, money market funds, bonds, mutual funds, commodities, futures, options and indices of any of them; investment advice in the fields of securities, stocks, bonds, mutual funds, money market funds, commodities, futures, options, and indices of any of them; securities brokerage account services that feature an interest bearing feature for cash between investments, access to cash, and margin loans; credit card and debit card services; check writing and bill payment services; variable annuity services, namely, underwriting, administration and distribution of variable annuity services, namely, underwriting, administration and distribution of variable annuity investments; administration of employee pension plans and retirement plan record keeping services; insurance services, namely, brokerage in the field of life insurance; cash management account services; fixed income investment services; automated electronic and computerized bill payment services and electronic fund transfer services; providing financial information and analysis in the fields of finance, economics, investment, business, financial planning, and investment strategy; providing brokerage account information via a global computer information network; providing an on-line electronic database in the fields of portfolio management services, portfolio management tools, account information decision making tools and investment research tools, namely, tools for monitoring investment market value and performance of investments, tools for analyzing investment performance, tools for evaluating asset allocation, risk tolerance, alternative plan investing timeframe and investment alternative planning; providing an on-line electronic database in the fields of financial research, financial analysis, investing, finance, and financial planning; financial information provided by electronic means; providing a web site of information about financial and investment news, financial and investment research, databases, and analysis in the fields of investing, finance, financial planning, and investment strategy

educational services, namely, conducting classes, seminars, conferences, and workshops, in the fields of investment, finance, economics, business, financial planning, portfolio management, retirement planning, money management, investment strategy and asset allocation, and distributing course materials in connection therewith