REDEFINING THE BUSINESS OF FUNDING

FINANCIAL SERVICES INCLUDING FACILITATING FINANCIAL TRANSACTIONS BETWEEN COMMERCIAL BANKS AND POOLED DEPOSITOR GROUPS AND INDIVIDUAL DEPOSITORS--NAMELY, PROVIDING LIQUID, INSURED DEPOSIT OPPORTUNITIES FOR POOLED DEPOSITOR GROUPS AND INDIVIDUAL DEPOSITORS AND PROVIDING DEPOSIT FUNDS FROM THE POOLED DEPOSITOR GROUPS AND INDIVIDUAL DEPOSITORS TO COMMERCIAL BANKS THAT THE COMMERCIAL BANKS MAY BE PERMITTED BY REGULATORY AUTHORITIES TO COUNT AS STABLE DEPOSITS