banking; on-line banking services; credit union services; mortgage banking; electronic funds transfer; electronic payment, namely, electronic processing and transmission of bill payment data; account payment and monitoring services, namely, bill payment services; financial portfolio management; financial information provided by electronic means; financial information processing; investment management, consultation, and brokerage; automated financial clearing house; financial clearing house; providing financial account management and information; providing financial account balancing via a global computer network and telecommunications networks; providing web pages featuring information about utility bill payment and consolidation services