Insurance services in the nature of insurance brokerage; financial and monetary affairs in the nature of banking services, financial analysis and consultancy, investment analysis and consultancy, capital investment, financial management, investment fund transfer and transaction services, savings account services, money lending, accepting deposits, issuing substitute bonds, accepting of fixed interval installment deposits, offering loans, offering discount of bills, money transfer services, offering financial liability guarantees, accepting bills of exchange; wealth management for individuals, corporations and others, namely research and analysis of financial markets, financial planning advice and services, stock exchange quotations, offering foreign exchange transactions, banking services in the nature of offering letters of credit, acting as a nominated bank under letters of credit, confirmation of letters of credit, purchase of claims under letters of credit, and advice relating to letters of credit, offering underwriting security services, providing financial information via global communications networks, security transactions, namely mortgaging of securities, securities brokerage services, investment security, security brokerage; all of the aforementioned services also provided via the Internet; telephone hot line counseling, namely offering financial advice; real estate affairs in the nature of valuation of personal property and real estate, real estate trustee services