INCOVATE

BUSINESS CONSULTATION SERVICES

FINANCIAL SERVICES, NAMELY, PROVIDING FINANCIAL ANALYSIS, CONSULTATION, PLANNING AND MANAGEMENT, COMMERCIAL AND CONSUMER LENDING AND LEASING SERVICES, MORTGAGE LENDING, AND LOAN FINANCING; SECURITY SERVICES, NAMELY, GUARANTEEING LOANS; CASH MANAGEMENT; MORTGAGE BANKING; INVESTMENT SERVICES, NAMELY, PROVIDING INVESTMENT ANALYSIS, CONSULTATION, PLANNING, MANAGEMENT, ADVISORY, BROKERAGE, BANKING, AND RESEARCH SERVICES WITH RESPECT TO STOCKS, MUTUAL FUNDS, SECURITIES, BONDS, COMMODITIES, REAL ESTATE AND OTHER INSTRUMENTS OF INVESTMENT