Banking services; consumer lending services; on-line banking services; bill payment services; credit card and debit card services; personal finance services; mortgage lending services; mortgage lending and mortgage brokerage services; stored value; debit card and cash replacement services; electronic payment services, namely, electronic processing and transmission of bill payment data

Educational services, namely, providing on-line training courses, workshops, seminars and programs in the field of banking, credit, money management, investing, investments and financial matters via the internet and materials distributed in connection therewith; providing on-line, non-downloadable newsletters in the field of banking, credit, money management, investing, investments and financial matters; providing newsletters in the field of banking, credit, money management, investing, investments and financial matters via e-mail; providing magazines and newsletters featuring banking, credit, money management, investing, investments and financial matters via e-mail; museum services, namely, museums, running of museums and guided tours of museums