Insurance underwriting services in the field of travel insurance; broad based financial services provided over the telephone and Internet or other electronic means, namely, financial brokerage services in the field of securities, insurance and art; financial management services including maintenance of financial records; electronic and on-line banking services; electronic payment services in the nature of bill payment processing services provided through a web site, namely, electronic processing and transmission of bill payment data, including payment authorization and payment settlement services; financial exchange services; financial investment services in the field of real estate and securities; electronic funds transfer and currency exchange services; financial services in the nature of bank card, credit card, debit card and pre-paid card services, including credit card and debit card verification; financial services relating to cash disbursement, check verification and check cashing services; electronic cash transactions; point-of-sale and point transaction services in the nature of the provision of financial services for the support of retail services provided through on-line, through networks or other electronic means using electronically digitized information, namely, payment transaction authentication and verification services; issuing and redemption of traveler's checks and travel vouchers; home banking services; financial information provided by electronic means; financial consultancy; automated teller machine services; and financial clearing houses