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Educational services, namely, conducting classes, seminars, conferences, and workshops in the fields of consumer and commercial banking, finance, financial planning, financial portfolio management, investing, mortgage, consumer and commercial lending, real estate and insurance, and the distribution of course materials in connection therewith; educational services, namely, conducting seminars in the field of affordable housing and distributing course materials in connection therewith; organizing and conducting community non-profit and educational events; providing on-line general feature newsletters; charitable services, namely, providing toys and books to the needy