THE POWER OF CHOICE

INSURANCE AND FINANCIAL SERVICES, NAMELY, [ LIFE INSURANCE AND ] ANNUITY UNDERWRITING, [ INSURANCE AND ] ANNUITY ADMINISTRATION, [ FINANCIAL MANAGEMENT AND BROKERAGE SERVICES FOR ALL TYPES OF INSURANCE, REINSURANCE UNDERWRITING; INSURANCE CLAIMS ADMINISTRATION AND PROCESSING; INSURANCE CONSULTATION; MUTUAL FUND MANAGEMENT SERVICES; MUTUAL FUND INVESTMENT, ADVISORY, DISTRIBUTION, ANALYSIS, PLANNING, DEVELOPMENT, BROKERAGE AND ADMINISTRATION SERVICES; MUTUAL FUND INVESTMENT CONSULTATION SERVICES; ] INVESTMENT OF FUNDS FOR OTHERS; INVESTMENT CONSULTATION, MANAGEMENT, BROKERAGE, AND ADVISORY SERVICES; INVESTMENT ADVICE; FINANCIAL INVESTMENT IN THE FIELDS OF ANNUITIES, [ COLLEGE SAVING PLANS, SECURITIES, DERIVATIVES, REAL ESTATE, PRIVATE PLACEMENTS, FUNDING AGREEMENTS, AND VENTURE CAPITAL; FINANCIAL SERVICES, namely, CONSULTATION, ANALYSIS, ] PLANNING, AND MANAGEMENT SERVICES IN THE FIELDS OF ANNUITIES [ AND COLLEGE SAVING PLANS; MAINTAINING ESCROW ACCOUNTS FOR INVESTMENTS; ADMINISTRATION OF EMPLOYEE PENSION PLANS; FUND INVESTMENT CONSULTATION; CAPITAL INVESTMENT CONSULTATION; REAL ESTATE INVESTMENT AND MANAGEMENT; AND MORTGAGE LENDING AND MORTGAGE LOAN SERVICING ]