RETAIL SERVICES BY DIRECT SOLICITATION BY SALES AGENTS AND AVAILABLE ONLINE AND THROUGH COMPUTER COMMUNICATIONS FEATURING PAMPHLETS, STUDY GUIDES, SERIES OF NON-FICTION BOOKS, MANUALS, COURSE BOOKS, WORKBOOKS, WORKSHEETS, PRACTICE EXAMS, DIRECTORIES, NEWSLETTERS, MAGAZINES, PROGRAMS, NOTEBOOKS, BROCHURES, PERSONAL ORGANIZERS, JOURNALS AND CATALOGS IN THE FIELD OF PERSONAL FINANCES AND PERSONAL FINANCE EDUCATION

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