THE WELLNESS EFFECT

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, and pension risk transfer and reinsurance services; portfolio asset management services; investment advisory and management services; financial and retirement planning services; financial information provided by electronic means; and financial research services