Financial services, namely banking, bill payment services, credit card services, debit card services, charge card services, cash disbursement, stored value prepaid card services, check verification, check cashing, deposit access and automated teller machine services, point of sale and point of transaction electronic payment services; payment authorization and settlement services, namely, electronic processing and transmission of bill payment data; underwriting travel insurance services; financial records processing and management; electronic funds transfer and currency exchange services; dissemination of financial information via a global computer network