credit card services; cash replacement rendered by credit card; electronic credit card transactions; debit card services; debit account services featuring a computer readable card; automated teller machine services; travelers' check issuance; providing rebates at participating establishments of others through use of a membership card; electronic payment, namely, electronic processing and transmission of bill payment data; life insurance underwriting and administration; annuity underwriting; administration of and underwriting insurance for pre-paid health care plans; organizing pre-paid health care plans; administration of employee pension plans