Financial services: including financial analysis; provision of financial information and advice; financial consultancy; financial management; loan financing; credit arrangement services; credit and debit card services; capital investment; fund investments; financial planning; deposits and the advancement of loans; financial services provided through automatic telIer machines, computer terminals, electronic funds transfer apparatus and Internet and portal access tools; savings and investment accounts; debit and credit card services; smart card services and stored value card services; issuing, negotiating and processing of cheques and other monetary instruments; financial and investment advice; monetary affairs; personal and business banking; insurance services; insurance consultancy; insurance underwriting; issue of tokens of value; information services relating to finance and insurance