Administration of cultural and educational exchange programs; business consultation services in the human resources, staffing and retention, and educational exchange program industries

Insurance services, namely, underwriting, issuance and administration of life insurance; Insurance services, namely, viatical settlement services, life settlement services for insurance policyholders, and senior settlement services for insurance policyholders; Financial services, namely, life insurance settlement services; Underwriting, issuance and administration of annuities