TWO IS ONE, ONE IS NONE

ACCIDENT INSURANCE UNDERWRITING; ADMINISTRATION OF EMPLOYEE BENEFIT PLANS; ADMINISTRATION OF PRE-PAID HEALTH CARE PLANS; ADMINISTRATION OF SAVINGS ACCOUNTS; AGENCIES OR BROKERAGE FOR RENTING LAND; AGENCIES OR BROKERAGE FOR RENTING OF BUILDINGS; AIRCRAFT BROKERAGE; APARTMENT LOCATING SERVICES FOR OTHERS; ASSESSMENT AND MANAGEMENT OF REAL ESTATE; BANKING; BILL PAYMENT SERVICES; BROKERAGE OF ENERGY, NAMELY, GAS AND ELECTRICITY; BUSINESS BROKERAGE; CASH REPLACEMENT RENDERED BY CREDIT CARD; CHECKING ACCOUNT SERVICES; COMMERCIAL LENDING SERVICES; CONSUMER LENDING SERVICES; CORPORATE SAVINGS ACCOUNT SERVICES; CREDIT AND CASH CARD SERVICES; CRUISE SHIP PROPERTY SERVICES, NAMELY, LISTING, LEASING, BROKERAGE, AND MANAGEMENT OF RESIDENTIAL AND COMMERCIAL UNITS ABOARD CRUISE SHIPS AND FINANCING OF SAME; ELECTRONIC CASH TRANSACTIONS; ELECTRONIC COMMERCE PAYMENT SERVICES, NAMELY, ESTABLISHING FUNDED ACCOUNTS USED TO PURCHASE GOODS AND SERVICES ON THE INTERNET; ELECTRONIC FUNDS TRANSFER; ELECTRONIC TRANSFER OF MONEY; ENERGY BROKERAGE SERVICES; EQUIPMENT FINANCING SERVICES; ESTATE PLANNING; EVALUATION OF THE CREDIT WORTHINESS OF COMPANIES AND PRIVATE INDIVIDUALS; FIDUCIARY REPRESENTATIVES; FINANCIAL ANALYSIS AND CONSULTATION; FINANCIAL EVALUATION FOR INSURANCE PURPOSES; FINANCIAL MANAGEMENT; FINANCING OF PURCHASES; FINANCING SERVICES; FORMATION, BROKERAGE AND MANAGEMENT OF TIME SHARE INTERESTS IN AIRCRAFT; INSURANCE ADMINISTRATION; INSURANCE AGENCY AND BROKERAGE; INSURANCE CLAIMS ADMINISTRATION; INVESTMENT MANAGEMENT; ISSUING CREDIT CARDS; ISSUING OF CHECKS AND LETTERS OF CREDIT; ISSUING STORED VALUE CARDS; LEASING OF LAND; LEASING OF REAL ESTATE; LEASING OR RENTING OF BUILDINGS; LEVERAGED BUY OUTS AND INVESTMENTS IN FINANCIALLY DISTRESSED OR UNDERPERFORMING COMPANIES; ON-LINE BANKING SERVICES; PREPAID CARD SERVICES IN THE NATURE OF MAKING PAYMENT FOR ADDING AIRTIME TO PREPAID OR PAY-AS-YOU-GO WIRELESS SERVICES; PRE-PAID FUNERAL EXPENSE SERVICES; PRE-PAID PURCHASE CARD SERVICES NAMELY, PROCESSING ELECTRONIC PAYMENTS MADE THROUGH PREPAID CARDS; PROJECT FINANCING; PROVIDING INFORMATION IN INSURANCE MATTERS; PROVIDING INFORMATION IN THE FIELD OF REAL ESTATE VIA THE INTERNET; PROVIDING TEMPORARY LOANS; REAL ESTATE PROCUREMENT FOR OTHERS; RISK MANAGEMENT; RISK MANAGEMENT CONSULTATION; SAFE DEPOSIT BOX SERVICES; YACHT BROKERAGE