ELECTRONIC BANKING SERVICES-NAMELY, CARDHOLDER BANKING TRANSACTIONS SUCH AS THE OBTAINING OF CASH FROM THE CARDHOLDER'S ACCOUNT, OBTAINING OF INFORMATION REGARDING THE CARDHOLDER'S ACCOUNT, CONDUCTING RETAIL TRANSACTIONS WITH THE CARDHOLDER'S CARD, GUARNTEEING CHECKS OF THE CARDHOLDER FOR RETAIL MERCHANTS, DIRECTLY DEBITING THE CARDHOLDER'S BANK ACCOUNT AND CREDITING THE SAME AMOUNT TO A MERCHANT'S BANK ACCOUNT TO EFFECTUATE PAYMENT FOR MERCHANDISE PURCHASED BY THE CARDHOLDER, TRANSFERRING FUNDS BETWEEN ANY OF THE CARDHOLDER'S BANK ACCOUNTS, MAKING DEPOSITS TO ANY OF THE CARDHOLDER'S BANK ACCOUNTS, MAKING PAYMENTS BY THE CARDHOLDER FOR ANY BANK-HELD OR OTHER DEBTS AND SERVICES FOR RETAIL MERCHANTS SUCH AS BALANCING EACH DAY'S DEBIT CARD TRANSACTIONS, CONDUCTING INVENTORY CONTROL AND DEPOSITING DAILY RECEIPTS