financial services, namely, financial consultancy, financial information and advisory services, lending on mortgages, financing of loans, providing working capital, business finance procurement services, credit bureaus and credit agencies, arranging and provision of loans, mortgages and guarantees; monetary affairs, namely, credit card, foreign exchange and bill payment processing services, bank card, credit card, debit card and electronic payment card services, cheque clearing services, debt collection and payment agency, monetary exchange and currency transfer services, money order services, money transfer services, foreign exchange transactions, services for the provision of travellers' cheques, electronic fund transfer services; real estate affairs, namely, real estate agency, management and valuation services, real property management service; investment services, namely, commodity and securities brokerage, pension valuation, financial administration of retirement plans, investment fund transfer and transaction services, individual retirement account services, capital and private equity investment fund management services, financial trust management, trustee services, trusteeship services, management and brokerage in the fields of stocks, bonds, options, commodities, futures and other securities, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services, capital investment services, investment and protection advice, investment management services, financial investment share valuation, nominative and representative services relating to stocks, dividends and bonus shares, funds investment, financing services for securing funds for investment purposes; insurance services, namely, insurance brokerage services, annuity underwriting