providing on-line financial and retirement planning information by means of a global computer network and/or an internal corporate network

educational services, namely, conducting workshops, seminars, and training courses in the field of financial education and distribution of course material in connection therewith; creating, testing, and implementing financial educational programs for others

consulting services in the field of financial education; telephone helpline, namely, offering advice in the field of financial education; providing interactive personal financial and retirement planning software that may be accessed from a global computer network and an internal corporate network