RBC CITY NATIONAL

loyalty program services, namely, the operation of a credit card program involving promoting the sale of goods and services of others by awarding purchase points for credit card use; online business center services, namely, providing a web-based on-line portal that provides customers with business tools customizable by industry, integrated enablement of business processes, physical and virtual procurement and access to horizontal and vertical markets for the development and operation of all aspects of their business

investment strategy and research; financial planning and strategy for retirement; management of retirement plans; venture capital financing; financial consulting and advising in the field of mergers and acquisitions; real estate investment advice and rental property management services; real estate advisory services; real estate brokerage; financial planning and tax registered financial planning; financial advice; financial management services related to the management of pooled investment funds and pension funds; custodial financial management and pension fund management services; financial asset management, namely, custody and settlement, securities administration, financial reporting and securities lending; syndicated loan financing, asset securitization and structured financing; estate trust management; credit services, namely, credit card services, loans and mortgage lending; debit card services; banking deposit services, namely, savings, checking and guaranteed investment accounts; providing lease financing for commercial equipment, financial transaction processing in the global securities, cash management, payments and trade business in select markets; trade financing services; fixed income research, brokerage and trading; trading of equities, equity derivatives, swaps and options; internet-secure electronic transaction solutions for ecommerce in the nature of Electronic funds transfer for processing electronic custody, banking, cash management, trade finance transactions and payments