Banking services, namely, investment banking, merchant banking, arranging for and making loans, discounting, drawing, negotiating, accepting, guaranteeing and endorsing of bills, issuing bonds, warrants and documentary credits, receiving and holding deposits, acting as a trustee, transfer of funds, debt restructuring, mortgage loans, trading in bars for third parties and the management of safe deposit vaults; financial services, namely, investment management and consultancy, financial management and consultancy, brokerage in stocks and bonds and on the commodity futures market, financial valuations, fiduciary services, administration of investment funds, acting as commission agents and stockbrokers, stockbrokerage, funds flow management and consultancy in the field, taking out pension plans and consultancy in that field, rendering of services with regard to subscription to shares, fund raising for charitable purposes, foreign exchange rates, financing of forward commodities, trading in forward transactions, in options and in fixed interest securities; insurance services, namely, life insurance underwriting, insurance by way of underwriting, providing liability insurance, fire and theft insurance, car insurance, disability insurance and accident insurance, insurance actuarial services, acting as an intermediary with regard to insurance services, acting as commission agents and insurance brokers as well as providing facilities for perpetual insurance; consultancy and provision of information with regard to all of the above, also via the Internet, external networks and by other electronic means