36 Banking services; on-line banking services; issuing of credit cards; credit card authorization and verification services; payment processing services, namely, debit card and credit card transaction processing services; providing electronic processing of electronic funds transfer, credit card, debit card and electronic payments; money transfer services; consumer lending services; financial services, namely, money lending; credit card authorization services and credit card payment processing services; providing credit card services to financial institutions, namely, services designed to assist financial institutions in deciding whether to extend credit; risk management services; credit card services designed to ensure the proper handling of charge backs; debt recovery and collection services; account maintenance services; providing financial portfolio management services; transaction card payment processing and card payment adjustment processing for others, provided directly or through third parties; provision of online payment disbursement systems for financial institutions