GUARDIAN DIRECT

Providing insurance, financial and investment services, namely, group vision, disability and life insurance underwriting services and group accident, critical care, pet, hospital indemnity, and dental insurance underwriting services; retirement planning services, namely, financial planning for retirement; retirement investment fund management; actuarial services; financial analysis and consultation; financial asset management; annuity underwriting and administration; securities brokerage; administration of employee benefit plans concerning insurance and finance; fiduciary representative services; electronic funds transfers; investment advice; investment management; money management; investment fund management; retirement investment management; providing information in the fields of financial, and investment services via a global computer network