PAY-AS-YOU-NEED

Insurance services, namely, administration, brokerage and underwriting in the field of business, household and personal cover; financial services, namely, advice, administration, appraisals, analysis, asset management, brokerage, clearing, consultancy, credit provisions, due diligence, evaluations, feasibility studies, forecasting, guarantees, information, investment, loan provisions, management, planning, portfolio administration and management, research, restructuring, refinancing, preparation of statements, transactions, trust administration and management and valuations; providing insurance and financial information via a web site; insurance services, namely, administration, brokerage and underwriting for business, household and personal, namely, providing cover for income, education, legal, food, grocery, transport, funeral, group funeral, health, medical, gap cover, critical illness, dreaded disease, disability, life, group life, short term, property, accident, causality and casualty expenses or loss events; life and group life assurance, namely, administration, brokerage and underwriting; life and group life assurance consultancy; financial management of investment portfolios and pensions, pension fund administration and management; monetary exchange services; merchant banking and investment banking services; on-line banking services; electronic banking via a global computer network; investment services, namely, advice, asset acquisition, brokerage, consultation, development and management; personal and business financing and loans; credit card services, namely, issuing of credit cards, credit card authorization services, processing of credit card payments, credit card transaction processing services; financial guarantees; leasing and hire-purchase services; sale on credit and financing of credit for wholesale; financial loans; preparation of financial and insurance reports; providing insurance, financial and loan consultation; insurance and financial advisory and consultancy services; charitable fund raising; issuing tokens of value as a reward for customer loyalty; providing information in relation to these financial and insurance services