Automatic teller machines; magnetically encoded plastic access cards for use in banking, financial, investment and insurance industries; and computer software for use in banking, financial, investment and insurance industries, namely, software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; software for automated clearance house processing; software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; software for use in connection with electronic funds transfers; software for accessing data from one or more mainframes and other computer systems in presenting the data in a uniform format to other types of computer applications; software for educating mortgage lending personnel about fair lending practices; software for use in communication of data between computers and other computers or computer peripherals; and software for use in connection with foreign exchange financial services