B BREAD FINANCIAL

Providing temporary use of non-downloadable software and applications for facilitating and administering loans, financing of purchases, consumer lending, loan applications, credit and loan account management, payment by credit card, debit card, or virtual payment method, electronic funds transfer services, electronic payment services transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; providing temporary use of non-downloadable software and applications for data analysis, analysis of loans, analysis of credit and credit accounts, and analysis of marketing and advertising data; providing temporary use of online non-downloadable software for enabling the electronic transfer of funds made via electronic payments, credit card, and debit card