Provision of a broad range of financial services, namely, insurance services; personnel management services and risk management services, including employee benefit plans; disability consulting, rehabilitation and absenteeism management services; safety and risk prevention services, services respecting risk management and claims adjustment; investment management services, including investment counseling and portfolio management services; group and individual investment plans and investment funds, including pension plans, tax sheltered plans, retirement savings plans, registered and non-registered savings and retirement pay-out products, segregated funds, mutual funds, pooled funds, investment certificates; investment brokerage services; financial counseling and planning services; trust company services; fiduciary services; custodial services; mortgage services, including mortgage origination, mortgage lending, mortgage servicing; real estate services, including real estate leasing, real estate development, real estate investment, property management and real estate appraisal; lease-purchase financing; information processing services in the fields of insurance and finance; electronic communication of financial transactions; issuing of payment, credit and charge cards, and operation of payment, credit and charge card plans; referral services to other financial institutions