Accounts receivables financing; Acquisition and transfer of monetary claims; Advice relating to investments; Agencies in the field of bonds and other securities, brokerage for leasing or renting of land and buildings; Assuming financial risk of others by entering into options and swaps; Bill consolidation services; Business finance procurement services; Business liquidation services; Capital investment consultation; Cash management; Check recovery services; Collection agencies; Commercial lending services; Consumer credit consultation; Cooperative credit organizations; Credit agencies; Credit bureaus; Credit consultation; Credit rating services; Credit recovery and collection; Credit reporting agency; Credit risk management; Debt cancellation services; Debt counseling services; Debt management consultation; Debt recovery and collection agencies; Electronic financial service for the purchase of savings bonds, funds transfer, payment, processing of insurance claims and payment data, toll collection services; Equity capital investment; Evaluation of credit bureau data; Evaluation of the credit worthiness of companies and private individuals; Financial analysis and consultation; Financial consultation; Financial due diligence; Financial information processing; Financial investment; Financial loan consultation; Financial management; Financial planning consultation; Financial research; Financial risk management; Financing services; Fiscal assessment and evaluation; Investment advice; Investment management of and distribution of variable annuities; Real estate investment; Rent collection agencies; collection and purchase of commercial and other debts on behalf of corporate and private clients; development, utilization and providing of tools for the collection and purchase of the debts of clients and third parties; providing risk management services through credit rating services; the introduction, usage and development of evaluation methodologies, securitization deals and recovery of assets; investment of funds in portfolios run by specialized financial institutions; all excluding retirement planning, counseling and advisory services for others