WM STRATEGIC PERSPECTIVES

Banking services; credit and debit card services; checking and savings account services; financial and investment services, namely, investment brokerage services, securities brokerage services and financial portfolio management services; providing banking, financial, investment, securities, credit card, and lending information via the Internet; online trading of stocks, bonds and other securities for others; financial services, namely, providing an online web site featuring information on the subject of financial research, financial investment, financial portfolio management, financial portfolio performance analysis and calculation of financial risk, and enabling users to track their individual securities trading transactions via the internet; financial forecasting, namely, financial portfolio performance simulation and cash flow forecasting; all of the aforementioned services provided to the investing public, consisting of individual retail and individual and corporate commercial customers, but not investment professionals; and philanthropic services consisting of monetary donations