NOVA

financial and investment services and advice, namely, arranging of residential loans, individual financial advisory services, individual financial portfolio management, individual comprehensive financial asset management, individual estate planning and wealth management services, commercial and consumer securities backed lending services, personal financial planning for retirement, financial planning for corporate retirement, namely, financial administration of 401(k) plans and employee retirement plans, individual retirement plans, financial planning, financial investment brokerage services, insurance underwriting in the field of personal and commercial property, casualty, life, health and surety/bonds, and annuity underwriting