GUARDIAN LIFE

Providing insurance, financial and investment services, namely, group and individual life, disability, accident, dental insurance underwriting services; financial planning in the nature of pension planning; financial management of pensions and pension funds; actuarial services; insurance administration; financial analysis and consultation; financial asset management; annuity underwriting and administration; banking; commercial lending, namely, commercial mortgages, privately placed debt securities and bank loans; insurance and securities brokerage and securities underwriting; broker-dealer services, namely, purchase and sale of securities products, namely, stocks, bonds, mutual funds and unit investment trusts; mutual fund distribution services; administration of group and employee financial and insurance benefit plans; fiduciary representative services; electronic funds transfers; investment advice; investment management; money management; management of money market funds, trust funds, United States government trust funds and stock funds; managing capital investment funds, stocks and bonds, and other investments for institutions and the general public; administration of employee pension plans; investment fund management; retirement investment management; trust services, namely, investment and trust company services; real estate investment; commercial and residential mortgage lending services; reinsurance underwriting services; providing information in the fields of insurance, financial, and capital investment services via a global computer network, telephone, e-mail and facsimile