The purpose of the company is to provide services in the financial system, in particular in connection with payment transactions, excluding activities that require a FINMA license. The company may establish branches and subsidiaries in Switzerland and abroad, participate in other companies of any kind, take over representations, and enter into all transactions and contracts that may be suitable to promote the purpose of the company, or that are directly or indirectly related to it. It may acquire, lease, rent, manage, encumber, and sell real estate in Switzerland and abroad. The company may acquire, hold, manage, or sell any type of debt or securities in Switzerland or abroad. The company may provide direct or indirect financing to its direct or indirect subsidiaries and third parties, including its direct or indirect shareholders and their (direct or indirect) subsidiaries, for its own liabilities and those of other companies (including direct or indirect shareholders of the company or companies in which these shareholders are directly or indirectly involved), provide securities of all kinds, including by way of pledges on or fiduciary transfers or assignments of the company's assets or guarantees, enter into joint and several liabilities or guarantees, or otherwise secure or guarantee the obligations of these other companies, whether for consideration or not. Furthermore, the company may engage in a liquidity adjustment/concentration of net liquidity (cash pooling) with the aforementioned companies or join such a system, including periodic account balancing. This may also be done without consideration, on preferential terms, without interest, excluding the company's profit motive, and assuming cluster risks.