3. "Financial services" means any service of a financial nature, including all insurance and insurance-related services, and all banking and other financial services (excluding insurance) as follows: ###>3) "services financiers", tout service de type financier, y compris tous les services d'assurance et services connexes et tous les services bancaires et autres services financiers (à l'exclusion de l'assurance). Les services financiers comprennent les activités ci-après: