TOTAL RISK PROFILING

Insurance underwriting and insurance administration in the field of property and casualty, directors and officers, errors and omissions, financial, motor vehicle, product liability, interruption of business, fire, earthquake, commercial insurance of all kinds, activities related to the provision of financial services, namely, financial analysis and consultation, annuity underwriting, providing bank account information by telephone, banking, bill payment services, capital investment consultation, cash management, check cashing, travelers' check issuance, check processing, credit card services, credit card transaction processing services, debit card services, electronic funds transfer, electronic processing of insurance claims and payment data, financial information provided by electronic means, financial investment in the field of insurance and securities, financial management, financial planning, financial research, financial forecasting, fund investment consultation, installment loans, investment brokerage, safety deposit box services and savings and loan services; financial risk analysis for use in the insurance industry, namely, risk identification, description and analysis particularly in the field of general business risk, market and product related risks

Telecommunication services, namely, delivery of messages by electronic transmission, electronic transmission of data and documents via computer terminals, network conferencing services, providing on-line electronic bulletin boards for the transmission of messages among computer users concerning insurance and financial matters and providing multiple user access to a global computer information network