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Financial services, namely, a portfolio offering for clients consisting of advice relating to investments, financial asset management, cash management; financial portfolio management, financial research and financial risk management; provide on-line financial calculators; providing stock/securities market information; mutual fund investment and mutual fund distribution; investment fund transfer and transaction services; portfolio offering for clients consisting of asset management and cash management; retirement planning services, namely, defined retirement benefit services, defined retirement contribution services, providing financial information to educate consumers on aspects of retirement and providing retirement financial planning services