Financial and banking services, namely, correspondence bank services and cash management services; commodity, securities, and metals trading services for others; checking and savings account services; electronic banking services; mobile phone banking services; check clearing services; automatic bill payment services; bank card, credit card, debit card and electronic payment card services; debt collection and payment agency services; financial consultancy and brokerage services; arranging and provision of loans, mortgages, and guarantees; lending on mortgages, financing of loans, and line of credit services; money exchange and transfer services; money-order services; electronic funds transfer services; foreign currency conversion services; services for the provision of travelers' checks; administration of employee pension plans, pension fund administration services, management of personal retirement accounts; fund management services and fund transfer services; financial trust operations; investment banking services; capital investment services and raising of capital; advice regarding investment and financial asset protection; investment management services; stock brokerage services; shares and securities brokerage, trading, distribution, underwriting, and valuation services; financial advisory services; financing services, namely, lending money using leases and various modes of finance; financing services for securing funds; real estate agency, management, and valuation services; providing real estate investment advice; insurance services, namely underwriting and administering commercial, life, automobile, health, and home insurance policies; insurance brokerage services; loss of income protection services; insurance services via telephone, namely advice, administration, premium payment, and claims processing; information and advisory services concerning or relating to all of the aforesaid services; providing all of the above services by means of computer