3. transactions, including negotiation, concerning deposit and current accounts, payments, transfers, debts, cheques and other negotiable instruments, but excluding debt collection and factoring;
3 . handelingen , bemiddeling daaronder begrepen , betreffende deposito's , rekening-courantverkeer , betalingen , overmakingen , schuldvorderingen , cheques en andere handelspapieren met uitzondering van de invordering van schuldvorderingen ;