36 Financial services; monetary services; financial transactions; financial affairs; banking services; financial information; financial risk management services; financial services relating to trading of securities and commodities; financial research, analysis, management, consultation, authentication, calculation, execution, trade matching, credit and risk evaluation; identifying and providing investment opportunities for investors; financial risk management; price risk management; the execution of trades on behalf of third parties; money exchange and money transfer services; electronic fund transfer services; foreign exchange services, payment services, issuing of negotiable instruments and tokens of value; credit, debit and charge card services; pre-paid card services; automated payment services; issue and redemption of tokens and vouchers; real estate services; tax consultancy; virtual currency services; insurance; consultancy, information and advisory services to all the aforesaid services