LUMENT SECURITIES

FINANCIAL SERVICES, NAMELY, BROKER/DEALER SERVICES ON SECURITIES EXCHANGES AND OVER-THE-COUNTER MARKETS; BUSINESS BROKERAGE SERVICES AND RELATED CONSULTING PERTAINING TO BUSINESS SALES, MERGERS, ACQUISITIONS AND BUSINESS VALUATIONS; BROKERAGE AND UNDERWRITING OF BONDS IN THE NATURE OF SECURITIES UNDERWRITING FOR BONDS FOR COMMERCIAL MORTGAGE LOANS; ALL OF THE FOREGOING EXCLUDING THE FIELD OF OVERLAY AND AGENCY OUTSOURCE MANAGEMENT