36 Automated teller machine ("ATM") banking and credit union services, namely, ATM terminal driving and acquiring services, namely, ATM transaction processing, dial-up terminal driving, leased line terminal driving, reporting, surcharge and service charge support services, transaction settlement processing, and 24 hour monitoring services; ATM banking and credit union services, namely, ATM and point-of-service gateway services and card management services, namely, provision of electronic links to networks, stand-in authorization services, new and replacement card production services, provision of file up-load and transmission abilities to card production vendors, adjustment and charge back processing, charge card and debit card authorization processing services, settlement services, reporting services and fraud management services