NEF

INSURANCE UNDERWRITING SERVICES IN THE AREAS OF LIFE, HEALTH AND DISABILITY; FINANCIAL ADVISORY AND MANAGEMENT SERVICES; BROKERAGE AND INVESTMENT SERVICES, NAMELY, SERVICES IN THE AREAS OF MUTUAL FUNDS, VARIABLE ANNUITIES, MANAGED ACCOUNTS, RETIREMENT PLANNING, INDIVIDUAL RETIREMENT ACCOUNTS; AND EDUCATIONAL FUNDING IN THE NATURE OF FINANCIAL GUARANTEEING AND LENDING IN THE FIELD OF STUDENT LOANS FOR HIGHER EDUCATION AND INVESTING IN EDUCATION LOANS AND EDUCATION LOAN PORTFOLIOS