36 providing financial analysis, expert advice, estimates, valuations, financial verifications, and forecasts, relating to factoring; banking and financial information regarding companies, accessed principally by computer networks, or through internet, intranet and extranet networks via a global computer network; providing analysis, information and advice relating to the financial structure, cash flow, indebtedness, solvency, capacity for indebtedness, financing capabilities and financial stability of businesses, recovery of debts from companies accessed primarily through computer networks, or internet, intranet or extranet networks via a global computer network; monetary exchange operations services; providing insurance loans; consultancy and information relating to finance, banking, money, loans, insurance, insurance loans, and factoring; factoring services, namely, financial management of customer accounts; financial management of factoring contracts; financial management of company debts; financial guarantee services, namely providing payment guarantees for debts to be recovered, issuing financial guarantees; granting of advances on debts to be recovered; services for the request and granting of financial guarantees against the risk of insolvency and the risk of outstanding payments; financial management of financial guarantees for others; purchase, tracking and recovery of commercial debts; collection of all forms of payment, of debts, and of all payment items; loan financing, term payment financing, customer loan financing; issue of checks, letters of exchange, and letters of credit