36 Financial and monetary services, namely, bank transactions; savings bank transactions; distribution of financial products; financial consultancy; financing; granting of loans and credits; deferred payment loans; bureaux; taking over guarantee deposits; taking over surety ships; leasing; mortgage banking; issue of bank-, debit- and credit cards; collection of rental- and leasing income; collection of outstanding debts; debt collection agencies; factoring; deposits of valuables; safe deposit services; financial analyses; financial information; financial consultancy; drafting of fiscal tax opinions and tax assessments; securities brokerage; negotiation of investments, especially in investment funds, shares, participations, precious metals, raw materials and derivatives; financial management; exchanging money; capital investments; capital transfer; payment transactions; clearing; issuing and redemption of travellers' cheques; verification of cheques; stock exchange quotations; fund raising for charitable and other purposes; appraisal evaluation of antiques, jewelry and works of art; Insurance underwriting services, namely insurance consultancy; negotiation and conclusion of insurance policies of all kinds, in particular life, accident, property and marine insurance, and assessments in matters of insurance;Real estate business services, namely leasing, rental, administration, negotiation, purchase, sale, leasing, assessment, financing and insurance of real estate; participation in real estate businesses, real estate funds and real estate service companies, as well as negotiation of participations in real estate companies, real estate funds and real estate service companies; and supplying any of the above-mentioned services by means of the Internet