36 Financial affairs, namely, financial planning and consulting; banking affairs, namely, investment banking services; monetary affairs, namely, monetary strategy consultation and research; budgetary affairs, namely, providing financial advice in the nature of budget planning; real estate affairs, namely, real estate agency services; brokerage regarding real property in the nature of commercial properties; banking services; insurance agency services; insurance information; insurance brokerage; provident funds, namely, establishing mutual funds for others for retirement; issuing of travelers' checks and credit cards; credit card and debit card authorization services; credit and loan services, real-estate credit services in the nature of real estate financing services, lease-purchase financing services; lending against security, namely, commercial and consumer lending services; loans financing; pawn brokerage; real estate appraisals; real estate services, namely, real property management services for condominium associations, homeowner associations and apartment buildings; financial sponsorship of sports and cultural events; loan financing services; financial analysis; financial services, namely, raising equity capital for others and or investing capital; mutual funds investment; financial estimates and appraisals of insurance and banking institutions and real estate; fiscal valuations; fiscal expert services, namely, providing financial advice; mutual fund and capital investments; monetary exchange operations; financial clearing houses; financial trust operations; monetary operations, namely, merchant banking services; stock exchange brokerage; actuarial services; financial information; financial management; financial asset management; financial services, namely, issuance of mortgage-backed securities; savings bank services; trusteeship representatives; financial asset management; home banking services, namely, online banking services; remote banking services, namely, online banking services; collective investment services for securities in the nature of operating and managing hedge funds; all foregoing services which may also be provided online or in non-real time from data processing systems, computer databases, or computer or telematic networks including the Internet and the global communication network; real estate appraisal; economic and financial forecasting, namely, stock exchange simulation; stock exchange quotations; check verification; electronic funds transfer; safe deposit boxes, namely, services for deposits of valuables; safe deposit box services; mutual funds investment; open-ended investment company services, namely, investment of funds; consultation, advice and information regarding financial, monetary, banking and insurance matters; financial advice in the nature of preparation of financial and budgetary reports for budget planning purposes; financial advice and budget planning, namely, assistance to companies and individuals in the financial and budgetary field; financial transaction services, namely, providing secure commercial transactions and payment options; [ financial auditing; ] savings credit, namely, savings bank services; surety and financial guarantee services; foreign exchange agencies, namely, agency services regarding currency exchange; portfolio management, namely, financial portfolio management service; debt collection; real estate agencies, namely, sale and rental of real property assets and buildings; building management; automated banking services, namely, ATM banking services; banking transactions by telephone, via the Internet; online banking services; financial services provided online from a computer database, a computer network, a global network or the Internet including websites, namely, financial information, management and analysis services; banking, financial and insurance information and advice provided online from a computer database, computer network, global network or the Internet including websites; consulting services of a bank account via telematic, computer, telephone and television, satellite and the Internet; financial consulting to companies in the management of their business; stock market information services; factoring agencies; financial guarantee and surety, namely, guarantee of payment of outstanding debts; debt collection, namely, collection on all bills and all bills of exchange; financial guarantee and surety, namely, advance payment on outstanding receivables; financing of deferred loan payment; financial guarantee, namely, del credere constitution; creation of security interests, namely, securities underwriting; accounts receivables financing, namely, assignment of receivables; financing services, namely, purchase of receivables; banking services, namely, account verification in the nature of funds verification