Banking and financial services, namely, banking, cash and foreign exchange transactions; banking and financial services, namely, savings account services, checking account services, demand deposit account services, time deposit account services, assumption of obligations at someone else's expense, namely, financial guarantee and surety services; granting, namely, issuing pledged securities, bonds, and internal and external letters of credit; unsecured credits, namely, unsecured loan financing; loan financing for payment of open accounts; financial exchange, namely, negotiation of bills of exchange, orders of payment, promissory notes, invoices, and other documents that include payment obligations from credit sales, as well as the advance payment of funds endorsed by the above mentioned documents; financial exchange, namely, negotiation of documents resulting from foreign trade transactions; cashier and treasury services, namely, receiving and disbursing payments of funds for others, namely, money transfer; collection of accounts payable; electronic funds transference services