Legal tender exchange services, namely, money exchange services and cash exchange transactions; currency exchange services; exchange rate services, namely, financial information in the nature of rates of exchange; Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions; providing a wide variety of payment and financial services, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, bill payment services; providing electronic mobile payment services for others; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Cash management, namely, facilitating and tracking transfers of electronic cash equivalents; virtual currency exchange transaction services for transferrable electronic cash equivalent units having a specified cash value