36 Financial services via global communications networks, namely, financial services in the nature of providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; monetary services via global communications networks, namely, monetary exchange; financial electronic transaction services via global communications networks, namely, electronic credit card transaction processing; clearing and reconciling financial transactions electronically via global communications networks; payment administration services, namely, rent payment services provided via global communications networks; electronic foreign exchange services, namely, foreign exchange transactions; financial intermediary services, namely, facilitating the channeling of funds between lenders and borrowers by connecting those with a financial surplus with those having a financial deficit; providing services for making payment on prepaid cards via global communications networks, namely, Processing electronic payments made through prepaid cards; financial services for enabling transfer of funds and purchase of products and services offered by others, all provided via global communications networks, namely, electronic funds transfer by telecommunications; financial services, namely, microfinance lending services, provided using electronic user authentication via global communications networks; financial services, namely, ATM banking services, provided using electronic user authentication for electronic and wireless funds transfer, credit and debit card and electronic check transactions all via global communication networks; electronic transfer of funds via global communications networks; financial services, namely, operation and management of hedge funds, commodity pools and other collective investment vehicles, and trading for others of securities, options, futures, derivatives, debt instruments and commodities; financial risk management; financial planning; financial management; financial investment brokerage; financial data analysis; financial consultancy; financial asset management; tax advice, namely, Real estate services in the nature of tax appraisals; providing financial information; financial transaction services, namely, providing secure commercial transactions and payment options; financial strategy consultancy services, namely, creating personalized strategies for achieving financial independence; financial services relating to the provision and structuring of capital, namely, raising debt and equity capital for others; financial services, namely, wealth management services; credit and loan services; financial consultancy relating to loans; financing and loan services; instalment loans; loan financing; loans against securities, namely, providing loans secured by commercial paper; providing personal loans; provision of commercial loans, namely, bank loaning services; provision of consumer loans, namely, financing loans for consumers; provision of loan and credit facilities, namely, credit and loan services; revolving loan services; insurance administration; insurance advice being insurance consultation; insurance brokerage; insurance consultancy; insurance management services, namely, Insurance risk management; reinsurance services, namely, reinsurance underwriting; banking; paperless electronic banking services; electronic banking via a global computer network being internet banking; investment banking services; merchant banking services; on-line banking; personal banking services; private banking services; telephone banking services; banking services relating to the deposit of money; bank account services, namely, Providing bank account information by telephone; processing payments for the purchase of goods and services via an electronic communications network, namely, Processing of debit card payments; electronic payment services, namely, Electronic foreign exchange payment processing; payment processing services, namely, Tax payment processing services; electronic wallet payment services, namely, Processing of electronic wallet payments; facilitating electronic payment via software, namely, Bill payment services provided via an electronic wallet; electronic money services, namely, Electronic transfers of money; bill payment services; raising of capital for business acquisitions and mergers being Financial services in the nature of raising debt and equity capital for others; financial advisory services relating to business acquisitions and mergers; information, advisory and consultancy services relating to the aforesaid services; all of the foregoing to the exclusion of the maritime industry