POWER OF TWO

Insurance and financial services, namely, insurance underwriting, distribution, and agency services in the fields of individual life insurance, group life insurance, and annuities; insurance and financial services, namely, development, distribution and administration of annuities; financial services, namely, development, distribution and administration of mutual funds, bank trust funds, private funds and other pooled investment vehicles; financial and retirement planning services; financial information provided by electronic means; and financial research services