Insurance services including actuarial services, insurance consultancy and information services, insurance evaluation, insurance brokerage and underwriting, accident insurance underwriting, life insurance underwriting, fire insurance underwriting and marine insurance underwriting; financial and monetary affairs including retail banking services and savings bank services, merchant banking services, financing services, lending moneys against security (including mortgage lending) and on unsecured basis, securities brokerage and surety services, lease-purchase financing and hire-purchase financing, stocks and bonds brokerage, currency exchange and issuing of travellers' cheques, financial clearing houses, financial, consultancy and information services, debit card and credit card services, cheque verification, deposits of valuables and safe deposit services, financial evaluation, information and management, fiscal assessments, capital investments, fund investments and electronic funds transfer services; none of the foregoing being real estate services or services provided by stock brokers and stock exchanges