MERRILL LYNCH BEYOND BANKING

Financial services, namely, cash and money management services, trust services, financial and investment research, analysis, consultation, advice, planning, management, and portfolio management services, estate planning services, investment of funds for others, fund transfer services, wire transfer services; financial services in the field of money lending; financial services in the field of securities, annuities and mutual funds; and financial services in the nature of securities, annuities and mutual funds; banking services, checking, savings and deposit account services, automated teller machine services, issuing credit and debit cards, cash replacement rendered by credit card, secured and unsecured lending services, on-line banking services, commercial, consumer, and mortgage lending services