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Banking services; automated teller machine services; savings, checking and certificate of deposit account services; credit card services; debit card services; cash card services; stored value card services; deposit card services; online banking services; electronic payment services, namely, electronic processing and transmission of bill payment data; mortgage lending services; home equity lending services; consumer lending services; commercial lending services; equipment financing services; mortgage banking services, namely, origination, acquisition, servicing, and brokerage of mortgage loans; financial analysis services featuring debt and credit analysis; providing information on financial privacy protection products and services, namely, providing credit rating and credit card verification information; providing information on financial privacy protection products and services, namely, providing financial information all for protecting credit ratings, canceling credit cards and restoring and analyzing credit; providing consumer credit card information and credit ratings, and information related to obtaining such financial information from others; financial analysis services in the field of credit reports