Broad based financial services, namely, banking, bill payment and presentment services, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, cash disbursement, cash replacement rendered by credit card and debit cards, electronic cash transactions, check verification, check cashing, deposit access and automated teller machine services, point of sale and point of transaction services, transaction authorization and settlement services, electronic payment processing services, credit card and debit card verification, payment transaction authentication and verification services, stored value smart card services and electronic cash services, namely, currency exchange in a secure environment over global electronic communications networks, providing financial information, namely credit and debit card data and reports, financial records management, electronic funds transfer and currency exchange services, credit management services, and advisory services regarding all of the foregoing services