THE ALTERNATIVE TO ALTERNATIVES

Financial services, namely, investment management, asset management, investment advice, investment consultation, financial research, banking, tax consultation; Investment management of and distribution of variable annuities; Financial planning services, namely, developing and managing retirement plans, college savings plans and charitable giving programs; Fund investment services, namely, fund investment consultation, exchange traded fund investment, mutual fund investment; Providing financial and investment services via the Internet, namely, fund investment consultation, exchange traded fund investment, mutual fund investment, investment management, asset management, investment advice, investment consultation, financial research, banking, tax consultation, investment management of and distribution of variable annuities and financial planning services, namely, retirement plans, college savings plans and charitable giving programs; Providing on-line financial calculators and analyzers; Developing and providing financial indexes for tracking the performance of stock, stock funds, futures, options, annuities, and other securities; Research and product development in the field of investing, namely financial research and the development of index-based financial products; Financial analysis and consultation