Insurance; financial affairs; monetary affairs; real estate affairs; providing a wide range of financial information and analysis to financial institutions by electronic means in connection with credit, debit, stored value and other payment cards, specifically, cardholder spending, fraud, risk management, terminated merchants, reporting of charge backs, retrievals and exceptions; providing financial services information via a global computer network; banking and credit services; financial services of credit, debit, purchasing, cash payment and prepayment cards; provision of financial account details, namely, cash balances, deposits and withdrawals to cardholders through automatic teller machines; financial settlement and authorisation services; foreign currency transfers; electronic payment services, namely, electronic processing and transmission of bill payment data; cardholder financial authorisation and debt settlement services; online banking services; investment services including the services of insurance and assurance agents, insurance and assurance brokers, insurers, financiers, investment consultants and agents; mortgage banking, providing loans, banking consultancy, insurance and financial services of all kinds.