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Financial management services, financial planning, financial research, and financial services in the nature of investment security; undertaking payments for particular transactions, determining period of time debit is outstanding, undertaking settlement of financial transactions; risk management, namely securitizing the financial obligations received against debit instruments issued; issuing and accepting financial obligations, and issuing lines of credit; issuing redeemable guaranteed credits to facilitate the settlement of transactions; financial clearing houses services; security services, namely guaranteeing loans, and making temporary loans; credit agencies; provision of a security in the nature of a currency unit for use in settling transactions, namely those conducted via the Internet