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Educational services, namely, providing seminars, courses, classes, forums, workshops, conferences, symposiums, and lectures, all featuring application of Biblical principles of stewardship to personal finances, consumer credit, personal budgeting, personal investing, business, debt management and recovery, charitable giving, career planning, life goals, and estate planning, and distribution of educational materials in connection therewith, but excluding the actual provision of banking, investment advisory and insurance planning services from all of the foregoing