36 Financial consulting services for credit unions and other financial institutions relating to lending services and credit and debit card origination and management services; providing credit card and debit card transaction and financial portfolio management services for use by credit unions and other financial institutions; credit card transaction authorization and settlement services; debit card transaction authorization and settlement services; financial transaction services, namely, providing secure commercial transactions and payment options using credit cards and debit cards; electronic payment services, namely, electronic processing and transmission of bill payment data for credit union members via the Internet; financial services, namely, money lending services; financial services for use by credit unions and other financial institutions, namely, membership account opening, bank account opening, and account management services