36 FINANCIAL GUARANTEE AND SURETY SERVICES, NAMELY, PAYMENT-GUARANTEE FOR FINANCIAL TRANSACTIONS BETWEEN BUYERS AND SELLERS BY THE USE OF ELECTRONIC PAYMENT CARDS, PREPAID CARDS; POINT-OF-SALE CARDS, CASH ADVANCE CARDS, STORED-VALUE CARDS, POINT OF SALE AND POINT OF TRANSACTION SERVICES, ELECTRONIC FUNDS AND CURRENCY TRANSFER SERVICES; TRANSACTION AUTHORIZATION AND SETTLEMENT SERVICES