Financial and monetary services, including financial services provided by electronic and telephonic means, banking, payment, credit, debit, charge, smart card, pre- paid card, cash disbursement, stored value, cheque verification, cheque cashing, deposit access and automated teller machine services, point of sale and point of transaction services, payment and collection services, online payment and collection services, processing electronic transactions including direct debit, direct credit, phone pay, web pay, and pay gate, information services; settlement and authorisation services; maintenance of financial records; electronic funds transfer and currency exchange services; travel insurance services; purchaser and merchant authentication services for financial transactions; financial information and transactions provided over the Internet, computer network or other electronic means; electronic billing and bill payment services that deliver bills to consumers electronically, enable consumers to pay their bills electronically, and enable financial institutions to settle these transactions electronically by debiting the consumer's account and crediting the biller's account; credit, debit and pre-paid card services comprising the issuance of credit, debit and pre-paid cards, the acceptance of such cards by business establishments and other organisations for purchase of goods and services, the maintenance of financial records and travellers' cheque services; information and advisory services in respect of finance and financial transactions; money collection and merchant payment facilities; advice on finance for retirement; advisory services relating to finance; advisory services relating to investment finance; consultancy services relating to finance; consultancy services relating to personal finance; corporate finance consultancy; corporate finance services; export finance services; finance leasing; lease purchase finance; management of finances; personal finance services; project finance; providing finance for credit sales; provision of commercial finance; provision of equipment finance; provision of finance; provision of lease-purchase finance facilities; provision of trade finance; raising of finance; research services relating to finance; trade finance services; financial and monetary affairs, including on-line stocks and bonds brokerage; financing services, loan financing, lending against security, mortgage banking, mortgage broking, mortgage lending, mortgage originating, mortgage securitisation, mortgage management, provision and facilitation of hire purchase and chattel mortgage arrangements, financial evaluations including valuations for securities; leasing and lease financing, including arranging financing for equipment and motor vehicle leasing; lease purchase financing; insurance services including mortgage insurance; investment services; credit services, including issuance of credit cards