KEYSTONE BY SMART

Downloadable computer software, application software and platform software, all for managing personal and corporate pensions, personal and corporate retirement plans, savings accounts, employee benefit plans, pension savings accounts, investment accounts, and lifetime mortgages; downloadable computer software for managing and reporting on personal and corporate financial history; downloadable computer software for the handling of financial transactions relating to pensions, savings accounts, employee benefit plans, pension savings accounts, investment accounts, lifetime mortgages and retirement plans; magnetically encoded blank bank cards by financial institutions for use in financial transactions relating to pensions, savings accounts, employee benefit plans, pension savings accounts, investment accounts, lifetime mortgages and retirement plans; downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, pda, and web-based environment; computer servers, namely, cloud servers all relating to pensions, salary finance, savings accounts, employee benefits, employee benefit plans, pension savings, investments, wealth management, loans and lifetime mortgages and retirement plans

Administration of financial affairs, namely, financial administration of employee pension plans, insurance and financial benefit plans, retirement plans, and employee savings, loan, salary finance and lifetime mortgages programs; administration of employee welfare insurance and financial benefit plans concerning insurance and finance; financial administration of mortgage lending; financial advisory and consulting services for retirees; financial advisory and consulting services for retirement; financial advisory and consulting services regarding lending services; financial advisory and consulting services relating to investments provided in the field of pensions, employee benefits, insurance and financial benefit plans, savings, loans, salary finance and lifetime mortgages; financial advisory and consulting services relating to loan recovery services; financial advisory and consulting services relating to pensions; financial advisory and consulting services relating to enhancement of mortgages; financial advisory and consulting services relating to finance provided in the field of pensions, employee benefits, insurance and financial benefit plans, savings, loans, salary finance and lifetime mortgages; financial advisory and consulting services relating to loan services; financial advisory and consulting services relating to mortgages; financial analysis provided in the field of pensions, employee benefits, insurance and financial benefit plans, savings, loans, salary finance and lifetime mortgages; annuity services, namely, account and investment administration and the investment and distribution of annuity funds; financial services, namely, electronic deposit accounts services provided for pensions, savings, loans, salary financeand lifetime mortgages; financing services provided in the field of pensions, employee benefits, insurance and benefit plans, savings, loans, salary finance and lifetime mortgages; financial administration of employee pension plans; financial advice provided in the field of pensions, pension savings, loans, salary finance, investments, wealth management, and lifetime mortgages; financial advice and consultancy services provided in the field of pensions, pension savings, loans, salary finance, investments, wealth management, and lifetime mortgages; financial advice relating to employee share schemes; financial advice relating to inheritance; financial advice relating to tax planning for pension and retirement purposes; financial advisory and management services provided in the field of pensions, pension savings, loans, salary finance, investments, wealth management, and lifetime mortgages; financial services, namely, management of pensions for corporate financial management; pension advisory and consultancy services in the fields of financial management and financial administration of employee and corporate management pension plans; financial management and financial administration of employee and corporate management pension funds; financial management and financial administration of employee and corporate management pension plans in the nature of long-term savings plans; financial services, namely, savings programs for employees and corporate management; financial management of employee pension funds; financial administration of employee pension funds; processing, administering and managing employee benefits in the nature of investment savings plans; provision of information in the field of employee pensions; financial administration of employee retirement plans; pension savings and loan services; trustee services, namely, trusteeship of pensions; trustee services, namely, trusteeship of superannuation funds; investment management and distribution of variable annuities

Design and development of computer software for managing and administering pensions, employee benefit plans, pension savings, loans, salary finance and lifetime mortgages; technological services, namely, design, research and analysis for computer software and hardware for managing and administering pensions, employee benefits, employee benefit plans, savings, loans, salary finance and lifetime mortgages; cloud storage services for electronic data and files for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; cloud computing featuring software for managing and administering pensions, employee benefits, employee benefit plans, savings, loans, investments, wealth management, salary finance and lifetime mortgages; application platform as a service, software as a service and platform as a service, all featuring computer software for managing personal and corporate pensions, personal and corporate retirement plans, savings accounts, employee benefit plans, pension savings accounts, loans, investment accounts and lifetime mortgages; application service provider (asp), namely, hosting software and software applications for others in the field of pension and retirement plans for others; electronic data storage services for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; electronic data backup for managing and administering pensions, employee benefits, employee benefit plans, savings, loans, investments, wealth management, salary finance and lifetime mortgages; recovery of computer data for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; data migration services for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; design and development of electronic data security services for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; computer maintenance of on-line databases for others to manage pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; design and development of on-line databases for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages; providing temporary use of on-line, non-downloadable computer software and software development tools for managing personal and corporate pensions, personal and corporate retirement plans, savings accounts, employee benefit plans, pension savings accounts and lifetime mortgages; application service provider services, namely, hosting computer software applications of others; software as a service featuring electronic financial software platforms for the handling of financial transactions relating to the management of pension and retirement plans providing online non-downloadable financial software for reporting electronic information related to pension and retirement plans; providing online use of non-downloadable financial software for analysis of electronic information related to pension and retirement plans; installation, maintenance, repair of computer software and troubleshooting of computer software problems, all for managing and administering pensions, employee benefits, employee benefit plans, pension savings, loans, investments, wealth management, salary finance and lifetime mortgages