36 Financial services, namely, financial restructuring services, monetary services, namely, providing monetary exchange services, namely, exchanging gold of others for cash and banking services; insurance services, namely, insurance brokerage services; financial services, namely, providing online stored value accounts in an electronic environment; electronic funds transfers; on-line banking; insurance brokerage and consultation services; financial and monetary affairs, namely, financial information management and analysis services; processing electronic payments in the nature of payments processed, being electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments for commercial transactions; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services over electronic communications networks; clearing and reconciling financial transactions via electronic communication networks; financial clearing house services; credit card and cash card payment processing and verification services; issuing credit cards, cash cards and credit lines; processing of payments in the nature of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; telephone banking services