PAYBACK PERKS

Financial management services, financial clearing house services, financial guarantee and surety services, financial valuation of personal property and real estate, financial analysis and consultation, financial forecasting services, financial exchange services, financial portfolio management, financial planning, financing services, financing for low and moderate income persons, home equity loans; providing individual retirement account services, providing selfemployed qualified retirement plan services; lease-purchase financing, lending services, namely, mortgage, consumer, retail and commercial loans, loan financing, providing financial information in the nature of rates of exchange, information services for all for the foregoing provided via a global computer network