36 financial management, namely, management of accounts and management of means of payment for firms, institutional investors and banks, and management of flows of capital, providing of financial information, banking services, insurances administration, real estate brokerage and real estate management provided on-line or off-line from data processing systems, computer databases or computer or telematic networks, including Internet and the worldwide web network; insurance administration; financial services, namely, financial planning, financial forecasting and financial exchange; banking; real estate brokerages and real estate management; savings bank services; issuing of traveler's checks and of letters of credit; financial valuation of personal property and real estate; apartment house management