Financial services, namely, electronic funds transfer, online funds transfer, processing bill payments to third parties, money order services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; electronic funds transfer, namely, money, currency and payment transfer services; check processing, electronic check representment services, issuance of official checks, check verification; electronic payment, namely, electronic processing and transmission of bill payment data; financial clearing house services; banking services; credit inquiry and consultation; credit recovery and collection; currency exchange services; currency exchange consulting; direct debit services, namely, debit card and stored value card services; issuance of debit, credit and pre-paid phone cards; financial risk management; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties; electronic transfer of government monetary benefits; credit card and debit card services; telephone calling card services