THE POWER OF YES

Financial and investment services namely, mutual fund distribution and transfer agent services; investment banking services; providing investment and financial information, advice, consultation and management; investment brokerage services; securities brokerage services; securities underwriting services; broker/dealer services in the field of securities and mutual funds; investment advisor services; financial portfolio management services; financial planning services; financial and investment services, namely providing asset-backed securities of government sponsored entities, mortgage backed securities, U;S; government securities, U;S; Treasury securities, municipal securities, bank certificates of deposit and investment securities backed by consumer loans, commercial loans, mortgage loans, equipment financing loans, and specialty finance loans, namely, loans for borrowers with special credit needs; banking services; mortgage lending services; consumer lending services; commercial lending services; equipment financing services; specialty finance lending services, namely, providing loans to borrowers with special credit needs; providing information via the Internet in the field of all the foregoing services and on customer accounts related to all the foregoing services; related to all of the foregoing services and related accounts