SBC FINANCIAL SERVICES, INC.

FINANCIAL SERVICES, NAMELY, DIRECTLY AND INDIRECTLY, PROVIDING INVESTMENT AND EMPLOYEE BENEFIT PROGRAMS, NAMELY, ADMINISTERING RETIREMENT, DEFERRED COMPENSATION AND SEVERANCE PAY PLANS AND PROGRAMS; UNDERWRITING AND ADMINISTRATION OF MEDICAL, DENTAL, DISABILITY, LIFE, ACCIDENT AND PROPERTY AND CASUALTY COVERAGE INSURANCE; INVESTMENT OF FUNDS FOR OTHERS, NAMELY, PARTICIPANTS AND THEIR DEPENDENTS; AND ADMINISTRATION OF BENEFIT PLANS DESIGNED TO PROVIDE ADDITIONAL FINANCIAL RESOURCES TO INDIVIDUALS WITH LIMITED FINANCIAL RESOURCES AND SPECIAL NEEDS