MERRILL LYNCH

Financial research; financial information; financial analysis; financial advice; financial planning; financial consultation; financial management; investment brokerage; investment consultation; investment management; investment advice; mutual fund investment; banking services; credit card payment processing services; credit card authorization services; credit card transaction processing services; issuing of credit cards; providing cash and other rebates for credit card use as part of a customer loyalty program; trading of securities, brokerage of shares, foreign exchange transactions, commodity brokerage and exchange, trading of securities options and other derivative products for others; financial planning for retirement; financial information and consultancy services provided online from a computer database or global computer network