NTT COMMUNICATIONS

[ Credit card services; providing information relating to stock, finance and foreign exchange market conditions, real estate, and insurance; real estate management services; ] [ banking services conducted via a global computer network linked by common protocols; ] electronic money transfer; electronic funds transfer [ ; providing electronic commerce services, namely, telecommunication prepaid debit card services and on-line financial planning services; financial services, namely, collecting charges for information providers rendered by telecommunication fee system, namely, agencies for collecting charges for information providers rendered by telecommunication fee collecting system; prepaid stored value card services for payment of telephone calls, subway and bus and railroad fares, bridge and tunnel tolls, merchandise costs and low value electronic debit transactions; debt recovery and collection; electronic cash transactions, electronic credit card transactions, electronic debit transactions and electronic payment; namely, electronic processing and transmission of bill payment data ]