36 financial and monetary services; financial services provided on-line, by phone, or via mobile communication devices; financial services relating to the provision of secured and unsecured loans; financial brokerage; credit brokerage; monetary affairs; arranging of loans; financial research; loan finance services; check cashing and cashing of paychecks; money lending; arrangement of installment loans; short term loans; medium term loans; insurance services; financial overdraft protection; lease purchase financing; banking services; mortgages and mortgage brokering; electronic funds transfer; banking card, credit card, charge card, and debit card services including issuing banking, credit, charge, and debit cards; consulting services concerning the provision of short and medium term lending programs; pre-paid card services; bill payment services; electronic credit and debit transactions; smart cards and electronic cash services; cash disbursement; cash replacement rendered by credit card and debit cards; electronic cash transactions; check verification; deposit access and automated teller machine services; payment processing services; transaction authentication and verification services; currency exchange services; information and advisory services relating to all of the aforementioned services, including those provided on-line, by phone, or via mobile communications devices