Financial services, namely, money transfer services, electronic funds transfer services, electronic processing of electronic funds transfers, ACH, credit card, debit card, stored value card, electronic check and electronic payments to and from third parties, foreign exchange transactions; financial transaction services, namely, providing secure commercial transactions and payment options via electronic communications networks; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device; person-to-person financial services in the nature of money transfers, banking services, and electronic funds transfer, ACH, credit card, debit card, stored value card, electronic check and electronic payment services via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; banking and financial services, namely, business banking, consumer banking, electronic banking via electronic communications networks