36 Financial consulting services for credit unions and other financial institutions via on-line, telephone and print communications in response to credit union member inquiries regarding general account information, and electronic statement summaries, for credit cards, share-draft accounts, W-2 forms and other tax statements, checking accounts, savings accounts, loan accounts, mortgage accounts, safe deposits, certificates of deposits and escrow accounts; providing financial portfolio management services for growth potential for use by credit unions and other financial institutions; debt settlement services for credit card accounts; credit card authorization and credit risk management services; providing financial information to credit card users via 24-hour on-line and telephone support services; collection services, namely, credit collection and recovery; credit card services for credit unions, financial institutions, consumers, and corporate and business users, namely, processing of credit card payments, credit card authorization services, and issuing credit cards; electronic debit card transaction processing for credit unions and other financial institutions; debit account services featuring magnetically coded cards; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; debit card verification; debit card transaction authorization services; debit card risk management; providing financial information to debit card users, namely, consumers and corporate and business debit card users, via 24-hour on-line, telephone, and SMS text messaging support services; Internet and mobile banking services, and banking services provided via SMS text messaging; electronic payment services involving electronic processing and subsequent transmission of bill payment data for credit union members via the Internet; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments