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, credit consultation services in the field of assisting financial institutions in deciding whether to extend credit; financial and credit risk management services; credit card consultation services in the field of ensuring the proper handling of charge backs; debt recovery and collection services; maintaining deposit and other bank accounts; providing financial portfolio management services; credit and debit card payment processing for others, provided directly or through third parties; provision of online payment facilitation and processing systems for financial institutions