GUARDIAN

GROUP AND INDIVIDUAL LIFE, DISABILITY, ACCIDENT, HEALTH AND DENTAL INSURANCE UNDERWRITING SERVICES; PENSION PLANNING SERVICES; PENSION AND PENSION FUND MANAGEMENT; ANNUITY UNDERWRITING AND ANNUITY ADMINISTRATION SERVICES; FINANCIAL SERVICES, NAMELY, MANAGEMENT OF MONEY MARKET FUNDS, TRUST FUNDS, UNITED STATES GOVERNMENT TRUST FUNDS AND STOCK FUNDS; PROVIDING INFORMATION TO OTHERS IN THE FIELD OF INSURANCE; MANAGING FUNDS, STOCKS AND BONDS AND OTHER INVESTMENTS FOR INSTITUTIONS AND THE GENERAL PUBLIC; FINANCIAL ADMINISTRATION OF CAFETERIA PLANS AS DESCRIBED IN SECTION 125 OF THE INTERNAL REVENUE CODE; REAL ESTATE SERVICES, NAMELY, REAL ESTATE MANAGEMENT, REAL ESTATE INVESTMENT AND[ COMMERCIAL AND RESIDENTIAL ]MORTGAGE LENDING SERVICES; REINSURANCE UNDERWRITING SERVICES; JOINT VENTURE INVESTMENT SERVICES FOR MANAGED CARE ORGANIZATIONS