STANDARD LIFE GROUP

Financial services¿ namely, financial advisory services, banking services, investment management services, investment consultation services, credit consultation services, credit card services, debit card services and surety services; financial consultancy; financial asset management services; financial management and administration of capital investments, investment funds, investment portfolios, mutual funds, retirement funds and pension funds; financial sponsorship of institutions, cultural and sporting events; financial analysis and evaluation; financial portfolio management services; provision of financial information; banking; investment advice; insurance agencies, information, and consultancy; trust management, unit trust and mutual fund investment services, financial trusteeship, fund investment management; pension services¿ namely, financial administration and management of public- and private-sector employee pension plans; loan services, personal loan financing, arranging of loans; mortgage banking and mortgage broking services; real estate agency, real estate management and real estate leasing services; leasing of commercial properties; property and real estate financing and investment; rental property management; financial appraisal and valuation of personal property and real estate; credit services; actuarial services; financial appraisal services of personal property and real estate; assurance services, namely, guarantee and assurance underwriting; underwriting services for all types of insurance; insurance underwriting for all types of insurance; insurance brokerage; financial risk assessment and risk consultancy and management services; advisory, consultancy and information services relating to all the aforesaid services; all the aforesaid services including those provided online from a computer database or the Internet