THERE IS A SIMPLE EXPLANATION

insurance services, namely, insurance brokerage, insurance claims processing, insurance consultation, and insurance underwriting in the field of individual life insurance and annuities, health insurance, employee benefits, retirement plans, and life and health reinsurance; banking services; financial services, namely, mutual fund investment, distribution, and brokerage services and mortgage servicing

financial education programs, namely, conducting seminars in the financial field and distributing course materials in connection therewith