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CLEARING AND RECONCILING FINANCIAL TRANSACTIONS VIA A GLOBAL COMPUTER NETWORK; PROVIDING A WIDE VARIETY OF PAYMENT SERVICES AND FINANCIAL SERVICES, NAMELY, STORED VALUE CARD SERVICES, ISSUANCE OF VIRTUAL AND PHYSICAL STORED VALUE CARDS, CREDIT CARD TRANSACTION PROCESSING, CHECK PROCESSING, ELECTRONIC CHECK PROCESSING, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA, CONDUCTED VIA A GLOBAL COMPUTER NETWORK