STANCHART

Banking services; on-line banking services; banking services provided for paying bills by telephone; services in dealing with currency, namely, currency exchange and advice; change bureau services in the nature of foreign currency exchange; foreign currency exchange services; currency trading; investment banking services, namely, forward buying of currency; credit card services; financial and investment safekeeping and custodial services in the nature of financial trust operations; custodial banking services; financial trusteeship services; financial management services; providing information, trading, brokerage, and providing advice and recommendations, valuation and handling services in the nature of brokerage, namely, a business that mediates between a buyer and seller in relation to bonds, stocks, securities, financial instruments, derivatives, futures and commodities; providing financial management services, all in relation to bonds, stocks, securities, financial instruments, derivatives, futures and commodities, as well as portfolios of any of the foregoing; share underwriting services; securities lending services; dividend collection services; payment collection services, namely, services to collect payments of bills, utilities or payments of installments on behalf of individuals, companies or organizations; investment research and information services; market making services, namely, services for consistently providing pricing for buying and selling a financial instrument, namely, securities, loans, deposits, derivatives and commodities; investment services and management of a unit trust as a form of collective investment constituted under a trust deed (the fund available in unit trust is equitably divided into units which vary in price in direct proportion to the variation in value of the fund's net asset value); investment trust management services; corporate finance consultancy services and financial consultancy; electronic stock transfer services; personal finance services, namely, financial services in the nature of an investment security; financial services in the field of money lending, financial services, namely, providing on-line stored value accounts in an electronic environment; financial services, namely, investment fund transfer and transaction services; financial services, namely, assisting others with the completion of financial transactions for stocks, bonds, securities and equities; financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; financial services, namely, a total portfolio offering for high net worth clients consisting of both separate accounts and mutual funds for equity and fixed income investments; financial services, namely, savings programs for youths; financial services, namely, the purchase of residential mortgages on behalf of others and issuance of mortgaged-backed securities; financial trust operations and financial valuation of personal property and real estate; actuarial services; real estate advice, consulting, valuation, brokerage and financing; valuations and financial appraisals of movable property and real estate; real estate acquisition and management; rental, letting and leasing of real property; financial administration, namely, administration of savings accounts; administration of mutual fund investments; hedge fund investment services; charitable fund raising services; administration of mutual funds; mutual funds services, namely, mutual fund brokerage, mutual fund investment, mutual fund distribution; cash management services; factoring services; invoice discounting services; automated teller machine services; loan financing and mortgage lending services; mortgage lending and mortgage brokerage; provision of security for loans, namely, guaranteeing loans; bail bonding services; lease purchase financing; hire purchase financing; issuing charge cards, cash cards, check guaranteed cards, debit cards, and stored value cards in the nature of payment cards, financial cards and purchase cards; stored value, debit card and cash replacement services rendered by credit card; providing databases in the field of payment card and credit card data; electronic payment services, namely, electronic processing and transmission of bill payment data; merchant banking and investment banking and treasury services in the nature of foreign exchange information services; cash management; investment services, namely, providing certificates of deposit and money market accounts; investment management; investment and financial management services; consultation and advising in the fields of personal equity and estate planning; investment advisory services;pension fund brokering, management and advisory services