STANDARD LIFE

Banking; trust management accounts; estate trust management; unit trust services, namely, investment and trust company services; trusteeship representative; fund investment management; insurance management services, namely, insurance administration in the field of life, healthcare and critical illness insurance; financial investment and financial management; pension management, namely, administration of employee pension plans; personal loan financing and mortgaging, namely, mortgage brokerage and mortgage lending and mortgage banking; real estate agency; real estate management and real estate leasing services; provision of finance or of credit, namely, financing services for real estate development