ESPERIA

Insurance underwriting in the field of liability, fire, home, automobile, theft, business premises, personal injury, life and valuables; insurance administration in the field of liability, fire, home, automobile, theft, business premises, personal injury, life and valuables; insurance agency services; financial analysis and consultation; financial forecasting; financial guarantee and surety services; banking services; financial clearinghouse services; assuming financial risks of others by entering into options and swaps; financial exchange; financial information in the nature of rates of exchange; making secured and unsecured loans; maintaining bank accounts; monetary exchange; and real estate services, namely, real estate appraisal, real estate agency services; operating market places for sellers of real estate; leasing of real estate; land and building acquisition, namely, real estate brokerage services and financial valuation of personal and commercial property and real estate