36 Financial affairs, monetary affairs, insurance underwriting; issuing, clearing and providing coupons, service vouchers, discount cards, gift cards, gift certificates, vouchers, loyalty cards (financial services); issuing and redemption of service vouchers, checks and cards used as means of payment for services provided to employees, company managers and executives, individuals, associations, works councils or similar bodies, companies and local and regional authorities; financial information and information relating to the aforementioned services, all these services may be provided on-line; management of financial benefits linked to the use of a loyalty card, loyalty cards (other than for advertising purposes) enabling their advantages to be capitalized; issuing, clearing, refunding of passes, vouchers, tickets, coupons, receipts, pre-paid cards or credit or debit cards, or any other means of payment; issuing of cards to pay for goods or services; credit and loyalty card services, issuing, distributing and clearing means of payment of all kinds; electronic payment services, credit card services enabling electronic payments to be made using a bank card, retail card, gift card or checks