SCHWAB HAS ANSWERS

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, bonds, mutual funds, money market funds, commodities, futures, options, and indices of any of them; investment advice and management in the fields of securities, stocks, bonds, mutual funds, money market funds, commodities, futures, options, and indices of any of them; securities brokerage account services namely, an interest-bearing feature for cash between investments, access to cash, and margin loans; credit card and debit card services; check writing and bill payment services; variable annuity services, namely, underwriting, administration and distribution of variable annuity investments; investment account information services provided via multiple communications channels, namely, via telephone, via an electronic communication network, and via a global communication network; administration of employee pension plans and retirement plan recordkeeping services; providing financial planning and investment strategy information and analysis services; insurance services, namely, brokerage in the field of life insurance; cash management account services; fixed income investment services; automated electronic and computerized bill payment services and electronic fund transfer services; providing information services in the fields of portfolio management and investment research, namely, information for monitoring investment market value and performance of investments, analyzing investment performance, evaluating asset allocation, risk tolerance, alternative plan investing timeframe and investment alternative planning, provided via multiple communications channels, namely, via an electronic communications network, via telephone, via an online electronic database, and via a global communication network; providing information services in the fields of financial research, financial investing, finance, and financial planning via multiple communications channels, namely, via an electronic communications network, via telephone, via an online electronic database, and via a global communication network; providing a website containing financial and investment information, financial and investment news, financial and investment research, financial and investment databases, and analysis in the fields of investing, finance, financial planning, business, and economics

Educational services, namely, conducting classes, seminars, conferences, and workshops in the fields of investment, finance, economics, business, financial planning, financial portfolio management, retirement planning, money management, investment strategy, and asset allocation