VISA

Broad based financial services, namely, banking, bill payment and presentment services, credit card services, debit card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, transaction authorization and settlement services, electronic payment processing services, credit card and debit card verification, payment transaction authentication and verification services; electronic funds transfer, stored value smart card services in a secure environment over global electronic communications networks, financial records management, electronic funds transfer; credit management services