36 BANKING SERVICES, NOT OFFERED TO THE GENERAL CONSUMING PUBLIC, RELATED TO INTERNATIONAL CASH MANAGEMENT FOR CLIENTS WITH ACCOUNTS IN SEVERAL COUNTRIES, NAMELY, SALES CREDIT FINANCING AND CREDIT RISK INSURANCE, FACTORING, ISSUING OF CREDIT CARDS AND CREDIT CARD SERVICES, BILLING AND DEBT COLLECTION SERVICES, RECOVERY OF DEBTS, FINANCIAL MANAGEMENT SERVICES, BROKERAGE AND UNDERWRITING OF STOCKS AND BONDS SERVICES, ELECTRONIC BANKING, REAL ESTATE MANAGEMENT, REAL ESTATE AND MORTGAGE AGENCIES SERVICES, INSURANCE BROKERAGE, INVESTMENT MANAGEMENT AND CONSULTING SERVICES