Financial services, namely, enabling transfer of funds and purchase of products and services offered by others (all via electronic communications networks), clearing and reconciling financial transactions via electronic communications networks, money transfer services, electronic funds transfer services, bill payment services, money order services, prepaid card services in the nature of adding airtime to prepaid or pay-as-you-go wireless services reloading cash on pre-paid/secured debit cards, and recharging minutes to pre-paid long distance calling cards; automated clearing house deposit services; clearing and reconciling transactions via global communications networks; electronic payment processing services; insurance; real estate affairs; processing and transmission of bills and payments thereof, payment services, providing guaranteed payment delivery and money market funds; all the foregoing excluding financial loan services