36 Retail banking services; commercial banking services; online retail banking services; online commercial banking services; money exchange; brokerage of credit purchase; financial clearing houses; all aforementioned services with the exception of services of an online investor bank, namely, the provision and/or offering of accounts for the purpose of conducting transactions in listed securities; insurance, namely, insurance agencies, insurance information and insurance brokerage; mortgage services, namely, mortgage financing services, mortgage planning and mortgage brokerage; payment processing services, namely, bank card, credit card and debit card transaction processing services; all the aforementioned services also provided via electronic means and the internet; information, advisory and consultancy services relating to the aforementioned services; all of the aforementioned services for use in connection with retail and commercial banking services