ADVANCING THE WAY THE WORLD PAYS, BANKSAND INVESTS

Downloadable computer software used in conducting financial transaction processing, authorization, and verification, processing financial payments, conducting and processing mobile payments, and detecting and preventing fraudulent financial transactions; downloadable computer software used for processing electronic payments, conducting and processing electronic funds transfers, conducting and processing treasury transactions, check processing, 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; downloadable computer software used for evaluating and analyzing financial transactions for providing wealth management services; downloadable computer software used for evaluating and analyzing financial risk in the process of providing financial risk management; downloadable computer software used 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