36 Money management and monetary affairs; remittances; payment services; money exchange and money transfer services, including electronic money exchanges and electronic transfer of funds; facilitation of value exchanges and transfers; on-line transaction facilities; payment processing and related administration services; electronic payment processing services; remote payment services; collection of payments; processing payments for the purchase of goods and services via an electronic or mobile communications network or the internet; purchase of products and services offered by others; bill payment services; cash management services; credit services; foreign exchange services; services relating to the issuing and redemption of tokens of value, vouchers, points, benefits, incentives and other considerations for value; banking services including internet and remote banking; financial sponsorship; insurance and finance services, including such services provided over the internet, electronic or mobile network; discount services including discount coupons and discount card services; banking, savings, debit, credit, deposit, cash, current and cheque account services; bank card, credit card, debit card and electronic payment card services; electronic wallet services (payment services); money order and payment guarantee services; administration of funds and investments; financial services; financial planning and analysis; provision of loans, including short-term loans and personal loans; financial brokerage services; insurance services; funeral cover; provision of financial information; provision of information and advisory services relating to financial and monetary affairs and the aforementioned services including the provision of information from a computer database, the internet or other electronic network; financial services such as non-refundable token trading; issuance of digital tokens