CHOICE GAP

Insurance and financial services, namely, insurance underwriting, distribution, administration, and agency services in the fields of individual life insurance, group life insurance, accident and health insurance, and annuities; insurance and financial services, namely, development, distribution, and administration of annuities; financial services, namely, development, distribution, and administration of mutual funds, bank trust funds, private funds and other pooled investment vehicles; pension fund and retirement plan management services, namely, investment of pension and retirement funds for others; administration of employee pension and retirement plans, employer benefit management plans, namely, employee welfare benefit plans, absence management arrangements, and pension risk transfer and reinsurance services; capital investment consultation services; investment brokerage services, namely, private and public sales of loans and loan portfolios; securities brokerage and lending services; portfolio asset management services; investment advisory and management services; financial and retirement planning services; financial information provided by electronic means; financial research services; loan financing services, namely, loan origination, lending and management in the field of commercial loans; mortgage financing services, namely, mortgage origination, lending and servicing in the fields of commercial and multi-family housing mortgage loans; real estate brokerage, leasing and management services; and real estate investment services