WESTERN UNION

Financial services, namely, banking services; money transfer services; electronic funds transfer services; bill payment services; money order services; [ credit card services; ] automatic teller machine services; [ debit and ] stored value card services; direct deposit of funds into customer bank accounts; automated clearing house deposit services; [ on-line auction payment and settlement 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; ] [ and gift check services in the nature of issuing personalized gift checks akin to money orders ]