WESTERN UNION

financial services, namely, banking services, money transfer services, electronic funds transfer services, bill payment services, money order services, [ credit card services,] prepaid card services in the nature of adding airtime to prepaid or pay-as-you-go wireless services [ reloading cash on pre-paid/secured debit cards, ] and recharging minutes to pre-paid long distance calling cards, automatic teller machine services, [ gift check services in the nature of issuing personalized gift checks akin to money orders, debit and ] stored value card services and direct deposit of funds into customer bank accounts; automated clearing house deposit services [ and on-line auction payment and settlement services ]