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BANKING SERVICES, NAMELY, CHECKING ACCOUNT SERVICES, TIME DEPOSITS AND BILL PAYMENT SERVICES; MUTUAL FUNDS BROKERAGE SERVICES, NAMELY, ESTABLISHING MUTUAL FUNDS FOR OTHER AND THE MANAGEMENT OF EQUITY, FIXED INCOME AND OTHER FUNDS; INVESTMENT ADVICE; PROVIDING INFORMATION, NAMELY, FINANCIAL RESEARCH, FINANCIAL NEWS, AND FINANCIAL CONSULTATION SERVICES VIA A GLOBAL COMPUTER NETWORK; SECURITIES BROKERAGE SERVICES; FINANCIAL SERVICES, NAMELY, PROVIDING BANKING SERVICES VIA THE INTERNET; PROVIDING INFORMATION TO ASSIST IN SECURITIES TRADING VIA THE INTERNET