RETURN ON CAPITAL AT RISK

Insurance administration, agency, brokerage services, claims processing, and claims administration; insurance services, namely, writing property and casualty insurance; administration of employee benefit plans concerning insurance and finance; financial risk management consultation; financial guarantee and surety; surety services; insurance consultancy services, namely, providing advice to help clients avoid, reduce, or transfer risk through the use of insurance; financial consulting, namely, providing consulting services for the allocation of financial resources used in the insurance industry; providing financial analysis and consultation, namely, financial benchmarking