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BUSINESS AND FINANCIAL SERVICES, NAMELY ELECTRONIC AND NON-ELECTRONIC PROCESSING OF PRIVATE LABEL CREDIT CARD AND BILL PAYMENT DATA; FINANCING IN THE NATURE OF CREDIT CARD SERVICES; ON-LINE BUSINESS SERVICES, NAMELY, CREDIT CARD TRANSACTION SERVICES, PROCESSING, ACCOUNT APPLICATION AND APPROVAL, STATEMENT REVIEW AND BILL PAYMENT, ON-LINE BUSINESS SERVICES, NAMELY, ELECTRONIC PAYMENT, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA, ACCOUNT APPLICATION AND APPROVAL, AND STATEMENT REVIEW