ELECTRONIC FUNDS TRANSFER SERVICES, NAMELY, PROCESSING AND COMMUNICATION SERVICES TO ENABLE THE FUNDING, PROCESSING, AND OPERATION OF ELECTRONIC BANK ACCOUNTS ACCESSED VIA A MAGNETIC STRIPE STORED VALUE CARD TO ENABLE THE CARD HOLDER TO MAKE POINT OF SALE, INTERNET, AND TELEPHONE PURCHASES AND PAYMENTS AS WELL AS TO PERMIT CARD TO CARD ELECTRIC FUNDS TRANSFERS AND RAPID CROSS BORDER ELECTRONIC FUNDS TRANSFERS