Credit bureau services; issuance of credit cards; debt advisory services; debt collection agency services; electronic wallet payment services, namely, multicurrency support services in the nature of electronic domestic and foreign exchange payment processing, valuing of domestic and foreign currency, and dynamic currency conversion, payment collection services for others, and processing payment disbursements via an electronic wallet; electronic funds transfer; factoring, namely, international factoring agency services, factoring agency services, bulk factoring services, notified factoring services, non-notified factoring services, maturity factoring services, recourse factoring services, non-recourse factoring services, invoice discounting services, and early payment discounting services; arranging finance for construction projects; financial analysis; financial consultancy; financial information and evaluations; financial management; financial management of reimbursement payments for others; financial research; providing financial information; providing financial information via a web site; financing services; hire-purchase financing; lease-purchase financing; instalment loans; insurance consultancy; providing insurance information; investment of funds; lending against security, namely, vehicle loan services, mortgage loan services, namely, mortgage refinancing and mortgage lending, share-secured loans services, issuing of secured credit cards, secured credit card factoring and payment processing services, loan origination services specializing in business loans, revolving loan facilities, non-revolving loan facilities, working capital loans, debt consolidation loans, financing of bridging loans, corporate money lending, and mezzanine financing; financing of loans; organisation of monetary collections, namely, debt collection services, cash collection services in the nature of crowdfunding services in the nature of providing financing from money collected from individuals, charitable fundraising services, and account collection services; mortgage banking; online banking; processing of credit card payments; processing of debit card payments; provident fund services, namely, financial management in the field of employee pension plans, private pension plans, public pension plans, investment management services, fund administration services, wealth planning, and financial planning; real estate affairs, namely, real estate investment services, real estate investment trust management services, real estate escrow services, real estate appraisal and valuation, real estate financing services, and mortgage financing services; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services, namely, financial administration of retirement accounts; savings bank services

Cloud computing featuring non-downloadable software for use in the provision of platform-as-a-service (PaaS), provision of infrastructure-as-a-service (IaaS), provision of software-as-a-service (SaaS), and functions-as-a-service all featuring software for use in providing credit scores, quoting loans, managing and processing loans, budgeting, managing money, recording and tracking financial transactions, accessing bank and deposit account, credit card account and other financial account information, performing transactions, storing, modifying, transmitting, and receiving information and data in the fields of personal finance, banking, and financial planning, in the field of financial services; platform as a service (PAAS) featuring computer software platforms for use in financial services in the nature of providing credit scores, quoting loans, managing and processing loans, budgeting, managing money, recording and tracking financial transactions, accessing bank and deposit account, credit card account and other financial account information, performing transactions, storing, modifying, transmitting, and receiving information and data in the fields of personal finance, banking, and financial planning; software as a service (SAAS) services, namely, hosting software for use by others in financial services in the nature of providing credit scores, quoting loans, managing and processing loans, budgeting, managing money, recording and tracking financial transactions, accessing bank and deposit account, credit card account and other financial account information, performing transactions, storing, modifying, transmitting, and receiving information and data in the fields of personal finance, banking, and financial planning