WISE

Providing for the exchange of foreign currency using optimized and guaranteed real currency exchange rates; Processing of electronic funds transfer and payments in multiple currencies using optimized and guaranteed real currency exchange rates; Providing multi-currency international monetary accounts featuring optimized and guaranteed real currency exchange rates; Debit card transaction processing services for debit cards offered in connection with multi-currency international monetary accounts and featuring optimized and guaranteed real currency exchange rates; all of the foregoing not including providing financial information and advisory services