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FINANCIAL SERVICES, NAMELY FLAT-RATE MONEY DISPATCHES FROM THE U.S.A., EACH OF WHICH RESULTS IN A DEPOSIT TO A PRIVATE ACCOUNT IN A LATIN AMERICAN COUNTRY, SUCH SERVICES BEING PROVIDED PRIMARILY TO LATIN AMERICAN IMMIGRANTS RESIDENT IN THE U.S.A. AND TO U.S. BUSINESSES HAVING EMPLOYEES IN LATIN AMERICA, FOR A ONE-TIME SET-UP FEE