Financial services, namely, banking; bill payment and presentment services; credit card services; debit card services; charge card services; prepaid purchase card services offered through cards with stored value, namely, processing electronic payments made through prepaid cards; electronic cash, credit card and debit transactions, and transaction authorization services; cash disbursement services; cash replacement rendered by credit cards; automated teller machine services; payment processing services; credit card and debit card verification services; payment authentication services; facilitating person-to-person payment services through electronic means; electronic funds transfer; currency exchange services over global communications networks; providing credit and debit card data and reports; financial assessment and risk management services for others in the field of consumer credit; credit management services; providing financial information via a global computer network; financial consultation and advisory services