MONEY IN HARMONY

Billing 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 consulting, namely, business management consulting, business marketing and advertising consulting, business consulting and information services; marketing consulting; advertising consulting; marketing and advertising services; 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 cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, prepaid debit or credit cards, electronic check, electronic funds, and bill payment transactions in the nature of call assisting businesses with customer follow-up as it pertains to credit and debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, prepaid debit or credit cards, electronic checks, electronic funds and bill payment transactions to improve customer outcomes and satisfaction through the use of telecommunication devices and computer networks with automated interaction and data feedback, monitoring and compilation capacity; conducting user incentive programs relating to the use of credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards, namely, promoting the sale of credit card accounts through the administration of incentive award programs, and promoting the sale of goods and services of others by means of contests and incentive award programs

Financial services, namely, ATM banking services; financial services in the nature of financial transaction processing, authorization, fraud checking and prevention, verification, namely, credit card and debit card transaction processing services, merchant services comprising payment transaction processing services, providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network, credit card authorization services, payment and funds verification services; financial services comprising payment processing services, electronic funds transfer, investment funds transfer and transaction services, and credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, prepaid debit or credit card payment and check processing, namely, loyalty program payment processing services, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, processing electronic payments made through prepaid cards, electronic payment services involving electronic processing and subsequent transmission of bill payment data, credit card and debit card payment processing services, processing electronic payments made through prepaid cards, check processing services; 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; investment and trust management services, namely, estate trust management, real estate investment trust management services, trust management accounts, investment management; wealth management services; credit risk management; fraud reimbursement services in the field of credit card purchases, debit card purchases, and electronic check purchases; loyalty program payment processing services; bill payment services; issuing credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, prepaid electronic benefits cards, and prepaid credit or debit cards; banking services; online banking services; credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, and prepaid credit or debit card implementation, namely, issuing credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, prepaid electronic benefits cards, and prepaid credit or debit cards; debt collection services, namely, collection of debts, debt recovery, and collection agencies; information, advisory, and consultancy services related to all the aforesaid services, namely, processing of contactless credit and debit card payments, providing financial information in the field of financial transaction and payment processing services, providing financial consulting services in the field of financial transaction and payment processing services; financial risk management services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking

Telecommunications, namely, call center services in the nature of routing and queuing telephone calls, emails, chat requests, and other forms of communications; providing electronic transmission of credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, prepaid credit or debit card, electronic check and electronic funds transaction data and electronic payment data via a global computer network; providing electronic delivery and transmission of reports featuring credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, or prepaid credit and debit card transaction data and electronic payment processing data via a global computer network; automated teller machine (ATM), point-of-sale terminal, computer payment terminal, and mobile payment acceptance terminal operation services, namely, providing secure, encrypted access to a global computer payment network and telecommunications infrastructure used by bankcard association networks, merchants, and financial institutions, providing telecommunications connections to a global computer payment network used by automated teller machines (ATM), point-of-sale terminals, computer payment terminals, and mobile payment acceptance terminals

Custom manufacture of blank credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards to the order and specification of others

Educational services, namely, providing in-person or online educational and business training classes and workshops in the fields of the operation and management of banks, savings institutions, lenders, investment and trust companies, corporate capital market groups, credit unions, insurance companies, and other financial institutions and financial-services businesses; educational services, namely, providing educational and business training classes, seminars, and workshops in the fields of payment processing, financial transaction processing, electronic funds transfer and transaction services, payment terminals, and automated teller machines

Computer software development, programming, and design for others; computer systems integration services; computer services, namely, integration of computer software into multiple systems and networks and computer systems integration services; computer software consulting for others; computer software installation, updating, and maintenance for others; technical support services, namely, troubleshooting of computer software problems; information technology consulting services relating to installation, maintenance, operation, and repair of computer software; website design, maintenance, hosting, and consulting, namely, design, creation, hosting, and maintenance of websites for others, web site design consultancy, consultancy with regard to webpage design; 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 relating to installation, maintenance, operation, and repair of computer software; providing temporary use of online, non-downloadable software for use in conducting financial transaction processing, authorization, and verification, processing financial payments, conducting and processing mobile payments, and detecting and preventing fraudulent financial transactions; providing temporary use of online, non-downloadable software for use in processing electronic payments, for conducting and processing electronic funds transfers, for conducting and processing treasury transactions, for check processing, for processing electronic billing and payment collection transactions, and for processing credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, and prepaid debit or credit card transactions; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial transactions for providing treasury management services; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial transactions for providing wealth management services; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial risk in the process of providing financial risk management; providing temporary use of 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 provision and rendering of banking and financial services; electronic monitoring of electronic funds transfers, credit and debit card activity, and electronic check and banking transactions to detect fraud via the internet; electronic monitoring in connection with deposits, account openings, payments, and employees to detect fraud via the internet, namely, electronic monitoring of credit card activity to detect fraud via the internet, electronic monitoring of electronic payments and payment activity to detect fraud via the internet, electronic monitoring of financial account openings to detect fraud via the internet, monitoring of computer systems for detecting unauthorized access or data breach; fraud detection services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking, namely, electronic monitoring of electronic funds transfers, credit and debit card activity, and electronic check and banking transactions to detect fraud via the internet; fraud detection services in connection with deposits, account openings, payments, and employees, namely, electronic monitoring of credit card activity to detect fraud via the internet, electronic monitoring of electronic payments and payment activity to detect fraud via the internet, electronic monitoring of financial account openings to detect fraud via the internet, electronic monitoring of online banking transactions 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 of credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards for others; leasing and renting of point-of-sale terminals, computer payment terminals, mobile payment acceptance terminals, and other computerized electronic payment facilitating hardware