DIRECT EXCHANGE

Owners

Goods & Services

Financial services, namely, banking, [ bill payment services,] credit card services, debit card services, charge card services, [ pre-paid card services offered though cards with stored value,] electronic credit and debit transactions, [ cash disbursement, cash replacement rendered by credit card and debit card, electronic cash transactions, check verification, check cashing, deposit access and automated teller machine services, point of sale and point of transaction services,] transaction authorization and settlement services, payment processing services, [ credit card and debit card verification, payment transaction authentication and verification services, viatical settlement services, travel insurance underwriting services,] financial records management, electronic funds transfer and [ currency exchange services,] dissemination of financial information via a global computer network