INVESTING WITH GUARANTEES

Financial services, namely, investment and advisory services, underwriting and investment management of annuities and defined contribution plans; investment management services; administration of employee retirement plans; retirement planning services; estate planning services; tax planning services; insurance underwriting, administration and agency services in the fields of life, long term care and disability insurance; providing financial and investment information and research by means of a global computer network, personal digital assistants, beepers, cell phones, printed materials and financial professionals