INSTABANC

Financial services, namely, debit card services, pre-paid card services offered through cards with stored value, namely stored value cards, electronic credit card and debit transactions, cash disbursement, cash replacement rendered by debit cards, electronic cash transactions, check verification, check cashing, deposit access and automated teller machine services, point of sale and point of transaction services, namely, electronic cash transactions, transaction authorization and settlement services, namely, viatical settlement services, electronic payment processing services, namely transmission of bill payment data, debit card verification, payment transaction authentication and verification services, facilitating person-to-person payment services, namely, bill payment services, through electronic means via a global computer network, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, electronic funds transfer, stored value smart card services and electronic card services, namely, currency exchange in a secure environment over global electronic communications networks, providing financial information, namely, debit card data and reports, electronic funds transfer services, and advisory services regarding all of the foregoing services

Payment transaction authentication and verification services, namely, providing user authentication services in e-commerce transactions