DISRUPTIVE WITHOUT DISRUPTION

Bill presentment services; business outsourcing services; business risk management; business risk management consultation; call center services, namely, operation and management of telephone, email, and chat communications centers for others; business process re-engineering services; business administration of consumer loyalty programs for others; promoting the goods and services of others by means of the issuance of loyalty rewards cards; providing customer support services related to credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, prepaid card, check, mobile, online, electronic funds, and bill payment transactions in the nature of call center support and customer assistant account information; conducting user incentive programs relating to use of credit cards, debit cards, bank cards, stored value cards, gift cards, loyalty cards, electronic benefits cards, and prepaid cards

Financial services, namely, financial transaction processing, authorization, fraud checking and prevention, verification, payment processing, electronic funds transfer, investment fund transfer and transaction services, credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, prepaid card payment processing, and check processing; merchant services, namely, payment transaction processing services; financial risk management services provided in connection with credit cards, checks, wire transfers, deposits, account openings, and payments; financial consulting; financial risk management services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking; investment and trust management services; wealth management services; credit risk management; fraud reimbursement services in the field of credit card purchases, debit card purchases, checks, electronic payments, and electronic transfers; loyalty program payment processing services; bill payment services; issuing credit cards, debit cards, bank cards, stored value cards, gift cards, loyalty cards, electronic benefits cards, and prepaid cards; banking services; online banking services; automated teller machine (ATM) services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, and prepaid card design and implementation; debt collection services; leasing and renting of point-of-sale terminals, computer payment terminals, mobile payment acceptance terminals, and other payment facilitating devices; information, advisory, and consultancy services related to all the aforesaid services

Computer software development, programming, and design for others; computer systems integration services; computer design and development services, namely, integration of computer software and systems integration; computer software consulting; computer software installation, updating, and maintenance; technical support services, namely, troubleshooting of computer software problems; information technology consulting; website design, maintenance, hosting, and consulting; application service provider, namely, hosting computer software applications of others; providing quality assurance services in the fields of banking and financial services and operations; outsource service provider in the field of information technology; providing online, non-downloadable software for use in financial transaction processing, authorization, and verification, payment processing, mobile payments, fraud checking and prevention, electronic payments, electronic funds transfer, check processing, treasury management, treasury transaction processing, funds transfer, billings, collections, credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, and prepaid card processing, wealth management; providing online, non-downloadable software for use in the operation and management of banks, credit unions, savings institutions, lenders, investment and trust companies, insurance companies, and other financial institutions and financial services businesses, and in the rendering of banking and financial services; electronic monitoring of electronic funds transfers, credit cards, debit cards, check transactions, and banking; electronic monitoring in connection with deposits, account openings, payments, and employees to detect fraud via the internet; data encryption services; equipment leasing, namely, leasing of computer hardware and peripheral equipment for use in point of sale transactions; graphic design and computer aided design manufacturing of credit cards, debit cards, bank cards, stored value cards, gift cards, loyalty cards, electronic benefits cards, and prepaid cards for others