DESCARTES

INSURANCE SERVICES, NAMELY INSURANCE UNDERWRITING ; INSURANCE SERVICES, NAMELY ADMINISTRATION AND AGENCY SERVICES IN THE FIELD OF INDIVIDUAL LIFE INSURANCE, GROUP LIFE INSURANCE, ACCIDENT AND HEALTH INSURANCE AND ANNUITIES; ADMINISTRATION AND AGENCY SERVICES IN THE FIELD OF LIFE, LONG TERM CARE AND DISABILITY INSURANCE, PROPERTY AND CASUALTY UNDERWRITING; INSURANCE ADVICE, NAMELY INSURANCE CONSULTANCY; FINANCIAL AFFAIRS, NAMELY FINANCIAL RESEARCH, ANALYSIS AND INFORMATION SERVICES IN THE FIELD OF BUSINESS RISK, STRATEGY AND HUMAN CAPITAL; REINSURANCE UNDERWRITING; BROKERAGE AND CONSULTANCY SERVICES REGARDING REINSURANCE; INSURANCE BROKERAGE SERVICES, REINSURANCE UNDERWRITING, REPATRIATION INSURANCE BROKERAGE SERVICES; FINANCIAL ESTIMATES AND EXPERTISE IN THE FIELD OF INSURANCE AND REINSURANCE, NAMELY FINANCIAL INFORMATION, MANAGEMENT AND ANALYSIS SERVICES; PROVISION OF INVESTMENT ADVISORY SERVICES IN THE FINANCIAL FIELD; MONEY MANAGEMENT AND INVESTMENT ADVISORY SERVICES IN THE FINANCIAL FIELD; ADVISORY SERVICES RELATING TO FINANCIAL INVESTMENT; ADVISORY SERVICES RELATING TO FINANCIAL MATTERS; CAPITAL INVESTMENT ADVISORY SERVICES; COMPUTERIZED FINANCIAL INFORMATION SERVICES