SCHWAB

Brokerage services in the fields of securities, stocks, bonds, mutual funds, money market funds, commodities, futures, options and indices of any of them; investment services in the fields of securities, stocks, money market funds, bonds, mutual funds, commodities, futures, options, and indices of any of them; investment advice and management in the fields of securities, stocks, money market funds, bonds, mutual funds, commodities, futures, options, and indices of any of them; securities brokerage account services including an interest bearing feature for cash between investments, access to cash, and margin loans; banking services; credit card and debit card services; check writing and bill payment services; variable annuity services; variable insurance investment services; investment account information services; retirement plan services including trustee services and retirement plan recordkeeping services; trust company custody services; financial planning services; insurance services; insurance brokerage services; cash management account services; fixed income investment services; payment services and fund transfer services; providing information and analysis in the fields of finance, economics, investment, business, financial planning, and investment strategy; providing access to portfolio management services and tools and/or account information; providing access to decision-making tools and investment research tools; providing access to news, information, research, databases, and analysis in the fields of investing, finance, financial planning, business, current events, government, and economics; providing access by electronic communication networks to portfolio management services and tools and/or account information; providing access by electronic communication networks to decision making tools and investment research tools; providing access by electronic communication networks to news, information, research, databases, and analysis in the fields of investing, finance, financial planning, business, current events, government and economics; educational services in the fields of investment, finance, economics, business, financial planning, portfolio management, retirement planning, money management, investment strategy, and asset allocation