Charitable services, namely, accepting and administering monetary charitable contributions; charitable fundraising services; financial services, namely, money lending to small businesses and entrepreneurs in developing countries; financial services, namely, money lending for educational services in developing countries; insurance services, namely, insurance agency and brokerage and insurance underwriting services for all types of insurance for small businesses and individuals in developing countries; monetary strategy consultation and real estate management consultation; banking services provided by banking institutions, including checking account services for monetary deposits and savings account services for small businesses and individuals; mobile banking; mobile banking rendered through point-of-sale terminals and automated teller machines (ATM) for small businesses and individuals in developing countries; ATM banking services for small businesses and individuals in developing countries; banking consultation for small businesses and entrepreneurs in developing countries