ECONOMIC OXYGEN

Financial services, namely: money transfer and electronic payment services, debit card issuance, lending, credit history management, electronic stored value transactions, automated teller machine services, currency exchange services, and forums to provide consumer financial education.

Telecommunications services, namely: domestic and international phone calls, cellular telephone services, calling card services, voice-messaging and electronic mail services, electronic data transmission, and automated and personal telephone hot-line counseling offering advice regarding consumer finances.