INVESTEC

Commercial banking; financing services; insurance services, namely, brokerage and underwriting; actuarial services; fiscal assessment and valuation; money exchange services; provision of financial guarantees; trading in the money market for others; brokerage in the field of currency, interest rates, stock, bills, claims, and notes; financial services, namely, settlement, planning, management, and control; investment services, namely, investment advice and investment brokerage, investment trust services, namely, trust management accounts and trust company services; credit card services; commodities brokerage; financial portfolio management for investors; mortgage services, namely mortgage bonds and participation in mortgage bond programs excluding financial research, analysis, and consulting services