ALWAYS.

Providing information on goods and services of others to users wherein the user must use an access card containing a pin number to access the information; electronic commerce services, namely storing and providing access to consumer information, such as name, address and purchase history, all via a magnetic strip stored value card; providing others with the ability to conduct an on-line review of purchases made with a stored value card; return management, namely management of returned merchandise without a receipt services when using a stored value card

Financial services, namely, credit card services, money order services, money transfer services, automated teller machine services, and stored value prepaid card services; prepaid stored value cards to be used for the purchase of goods and services; prepaid telephone calling card services; electronic payment services, namely electronic processing and transmission of bill payment data; financial services related to payment cards and stored value cards; electronic funds transfer services, namely processing services to enable the funding, processing and operation of stored value card accounts access via magnetic strip; stored value card to enable the card holder to make point of sale, internet and telephone purchases and payments