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DEPOSIT-TAKING, MONEY TRANSFER, MONEY REMITTANCE, AND ELECTRONIC FUNDS TRANSFER SERVICES, NAMELY: PAYMENT CARD SERVICES FOR OWNERS OF INTERNET-BASED, ON-LINE ACCESSIBLE, ELECTRONIC MONEY ACCOUNTS WHEREBY THE PAYMENT CARD IS USED TO PURCHASE GOODS AND SERVICES FROM PHYSICAL MERCHANTS, AND FOR PERFORMING CASH WITHDRAWALS FROM AUTOMATIC TELLER MACHINES, ALL FUNDS USED FOR SUCH PURCHASES BEING DEBITED FROM THE USER'S ELECTRONIC MONEY ACCOUNT; PRE-PAID CARD SERVICES, DEBIT CARD SERVICES, STORED-VALUE CARD SERVICES; ON-LINE PAYMENT CARD SERVICES FOR OWNERS OF INTERNET-BASED, ON-LINE ACCESSIBLE, ELECTRONIC MONEY ACCOUNTS WHEREBY A COMPUTER PROGRAM PROVIDES THE CONSUMER WITH A VIRTUAL PAYMENT CARD, WHICH PROVIDES A ONE-USE-ONLY PAYMENT CARD NUMBER, FOR USE IN PURCHASING GOODS AND SERVICES ON-LINE BY MAIL, AND BY TELEPHONE; OPERATION OF SAVINGS ACCOUNTS FOR OWNERS OF ELECTRONIC WALLET ACCOUNTS; THE PROVISIONS OF LOANS TO OWNERS OF ELECTRONIC WALLET ACCOUNTS