insurance services; insurance brokerage; travel insurance services; financial services; financial brokerage services; financial management services; banking services; payment processing services; financial exchange services; financial investment services; maintenance of financial records; electronic funds transfer and currency exchange services; electronic payment services; financial services provided over the telephone and internet or other electronic means; financial services relating to bank cards, credit cards, debit cards, pre-paid cards, cash disbursement, cheque verification and cheque cashing; electronic cash transactions; 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; payment transaction authentication and verification services; payment authorization and payment settlement services; credit card and debit card verification; issuing and redemption of travelers cheques and travel vouchers; electronic banking services; on-line banking; home banking; financial information; financial consultancy; automated teller machine services; financial transaction services via point of sale terminals; financial clearing; bill payment services provided through a website