KINETICORE

Downloadable computer software for core banking systems, platforms and integrations for financial institutions to process and manage their banking operations and service their customers; Downloadable computer software for processing banking transactions and accessing bank account information.

Business support services, namely, providing back-office functions to financial institutions; Inventory management regarding plastic cards; Marketing consulting services, namely, assisting financial institutions with marketing their cards and services to existing or new customers and help increase card usage and build customer loyalty.

Electronic transfers of money; Electronic funds transfer; Providing internal (intra-bank) and external (inter-bank) transfers of funds and money; Automated Clearing House (ACH) transaction processing services for financial institutions and their customers to securely exchange funds between sender and receiver via the Federal Reserve; Providing banking, bill payment and bill payment processing; Instant payments processing services for financial institutions and their customers via instant payment systems; Providing integration services to support customizable debit card issuance and electronic cash processing services to financial institutions; Providing support for decisioning of debit transaction processing services from payment processors; Providing banking services to customers in the nature of debit card account set-up, payments, alerts, and balance inquiries.

Providing on-line, non-downloadable, computer software for core banking systems, platforms and integrations for financial institutions to process and manage their banking operations and service their customers; Providing on-line, non-downloadable, computer software for use by bank customers to update information regarding their bank accounts and credit and debit cards; Providing temporary use of online non-downloadable software for financial institutions to open new accounts and generate regulatory and compliance reports; Providing temporary use of online non-downloadable software for financial institutions to maintain credit and debit card accounts, update credit and debit card information, and create and support instant issue debit cards; Software as a service (SAAS) services featuring software for maintaining and updating customer information associated with banking accounts and credit and debit cards; Software as a service (SAAS) services featuring software for use by financial institutions to access, view, and track customer information and account transactions to permit financial institutions to verify customers and process disputed transactions; Software as a service (SAAS) services featuring software for use by financial institutions to open new customer accounts, prepare reports on accounts, and integrate online services; Providing on-line, non-downloadable, computer software for authorizing ACH transfers; Providing on-line, non-downloadable, computer software for use by financial institutions in validating payments and processing services initiated by online banking services via a global computer network; Design and development of computer software for financial institutions to allow their customers to securely access and use their cards, check balances, notify of travel plans, transfer money, and manage and control their card transactions in real time.; Providing on-line, non-downloadable, computer software for use by financial institutions to monitor customer questions/concerns; Providing on-line, non-downloadable, computer software for use by financial institutions to monitor fraud on accounts and credit and debit cards to analyze trends and types of transactions and compare them with funds being added to or taken off of a card or a DDA / Savings account on a given day; Providing on-line, non-downloadable, software to financial institutions to allow their customers to securely access and use their cards, check balances, notify of travel plans, transfer money, and manage and control their card transactions in real time; Providing temporary use of online non-downloadable software for use in electronic transfers of money, providing access to personal financial information, and online payment card and debit card services; Providing on-line, non-downloadable, customizable software to financial institutions that provides self-service digital banking platforms to their customers through which they can conveniently access and use their deposit and loan accounts, check balances, pay bills, transfer money, deposit checks and perform banking functions remotely; Platform as a service (PAAS) featuring computer software platforms for financial institutions to initiate, process, manage, track, and report on financial deposits, loans, general ledger, exception items, ACH origination, accounts payable, shareholder accounting, customer profitability, rewards checking, wire processing, and safe deposit boxes.