SKANDIA

underwriting of insurance and reinsurance in connection with all classes of property, casualty, marine, bonding, life and excess and special risk insurance; and reinsurance and reinsurance-related consulting services; actuarial credit bureau services, financial management services, financial analysis services, capital investment consulting services; fund investment services, guarantee assurance underwriting services; installment loan services, lending against security and financing loans, surety services, stocks and bonds brokerage services, securities brokerage services, and mutual fund brokerage services