Insurance products and services, namely, underwriting, issuance and administration of life, health, accident, fire or personal item insurance; financial affairs and monetary affairs, namely, financial information, management and analysis services, financial advisory and consultancy services including creating business and personal strategies for achieving financial gain or independence, microfinance and lending services, information, advisory, consultancy and research services relating to finance and investments; real estate affairs, namely, real estate agency services, real estate financing services, financing of real estate development projects, rental of real estate, real estate management and procurement for others, real estate valuations; banking services including online and telephone banking services featuring electronic alerts, ATM banking, investment banking, merchant banking, payment facilitation services, namely, payment verification services, processing of debit and credit card payments, credit and cash card payment processing services, loyalty program payment processing services, processing electronic payments made through prepaid cards; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; facilitation and rendering of banking and financial transactions, including those rendered online via the Internet or computer network, or by telephone or cellular telephone, namely, providing secure commercial transactions and payment options; consultation services related to all of the foregoing