FINANCIAL SERVICES, NAMELY, COMMERCIAL LENDING, FUNDS INVESTMENT AND COMMERCIAL TRADING SERVICES WHICH ALLOW SUPPLIERS OF COMMERCIAL GOODS AND SERVICES TO OFFER CREDIT TERMS TO THEIR CUSTOMERS THROUGH THE USE OF PAYMENT INSTRUMENTS WITH EXACT PRE-AGREED TERMS UNDER WHICH PAYMENT WILL BE MADE, ALL AIMED AT REDUCING RISK OF CAPITAL AND ASSET LOSS IN AN INTERNATIONAL OR DOMESTIC COMMERCIAL GOODS AND/OR SERVICES TRADING TRANSACTION