FINANCIAL SERVICES, NAMELY, THE PROVISION OF CREDIT AND ALTERNATIVE RISK PRODUCTS, COMPRISING THE PURCHASING, FINANCING, ADMINISTRATION, SERVICING AND COLLECTION OF STRUCTURED ASSETS, CONSISTING OF TRUST CERTIFICATES, CREDIT-LINKED NOTES, STRUCTURED NOTES, AND OTHER SECURITIES THROUGH ASSET SECURITIZATION AND THE RAISING OF FUNDS IN THE PUBLIC AND PRIVATE DEBT MARKETS TO FINANCE SUCH PURCHASES, EXCLUDING SERVICES AND FINANCIAL ACTIVITIES IN THE AREA OF DIRECT CONSUMER CREDIT, DIRECT RETAIL FINANCING, DIRECT RESIDENTIAL MORTGAGE LENDING, DIRECT COMMERCIAL AUTOMOTIVE, AND DIRECT CONSUMER AUTOMOTIVE FINANCING