automated escrow services; automated deposit services; automated teller machine services; banking; cash management; cash replacement rendered by credit card; check verification; credit bureaus; credit card services; credit card verification; debit card services; electronic escrowing services; electronic funds transfer; electronic payment; (namely, electronic processing and transmission of bill payment data); electronic processing of deposits; escrowing services; factoring agencies; financial clearing houses; financial guarantee and surety services; financial information provided by electronic means; financial management; providing account and transaction information by telephone; providing deposit information by telephone; risk management and surety services