PLANMEMBER INVESTMENT & SAVINGS PROGRAM

A full service financial services program for retirement planning and investing consisting of personalized financial planning for retirement, professional investment advice, and investment expertise and consultation in the field of retirement; a financial services program for individual retirement accounts (IRAs) and nonqualified accounts offering, in particular, funds investment, investment management of and distribution of annuities, professional financial management of mutual fund portfolios, individual mutual fund investments, strategic financial advisory services based on third-party strategist portfolios, and issuance and administration of annuity products