36 Financial affairs and monetary affairs, namely, financial information, management and analysis services; banking services including home, internet and remote banking; financial sponsorship of sporting events, festivals and competitions; insurance and finance services including such services provided over the internet or any other electronic network, namely, writing property and casualty insurance, financial advisory and consulting services, money transfer and money exchanges services and banking provided over telecommunications networks; issue of tokens of value and redeeming, the vouchers of others for payment of goods and services; issuance of tokens of value as a reward for customer loyalty; providing cash and other rebates as part of a customer loyalty program; credit card services, namely, credit card transaction processing services; charge card payment processing services; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; insurance services, namely, underwriting, issuance and administration of life, health, accident, fire, motor vehicle and property insurance; financing services relating to telecommunications and communications apparatus and instruments; and financial guarantees, surety services relating to telecommunications and communications apparatus and instruments; provision of electronic and online financial services, namely, electronic fund transfer services and secure on-line monetary transaction facilities; providing an internet website portal in the field of financial transaction and payment processing services; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; annuity services, namely, account and investment administration; stocks, shares and bond information and brokerage services; provision of information and advisory services relating to the aforementioned services via a computer database, the internet or other electronic network; provision of information and advice for the prospective purchasers of commodities and goods, all related to payment terms and insurance brokerage services; all the aforementioned services excluding real estate services