CARDWORKS FINANCIAL GROUP

Downloadable software in the nature of a mobile application for accessing bank account information, managing bank accounts, credit card accounts, electronic transmission of funds, and financial transactions

Credit card registration services; Promoting the sale of credit card accounts through the administration of incentive award programs; Promoting the sale of goods and services of others by awarding purchase points for credit card use; Promoting the sale of goods and services of others by means of contests and incentive award programs; Monitoring consumer credit reports and providing an alert as to any changes therein for business purposes; Processing credit card holder disputes; Customer service, namely providing additional copies of credit card holder statements; Customer service in the field of processing emergency credit line increase requests; Arranging for merchants to enter into banking relationships with banks for the purpose of allowing the acceptance of transaction cards by the merchant for purchases; Customer service, namely, providing an interactive voice response unit to respond to queries from credit card holders; Customer service, namely, responding to credit cardholder inquiries regarding balance, available credit, account status, authorizations, payments or credit line; Providing customer service by trained customer service representatives in the field of credit cards via telephone; Customer service for proper handling of credit cardholder requests for additional or replacement cards, PINs and changes of name, address or phone number; Customer service, namely, assisting merchants in addressing problems arising from the merchant's customers use of transaction cards for payment for goods and services

Banking services; Online banking services; Issuing of credit cards; Credit card authorization services; Credit card verification; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Money transfer; Providing a web site featuring personal financial information and financial advice; Providing banking information; Consumer credit consultation; Merchant banking services; Loan origination services; Credit and loan services; Loan financing; Debt recovery services; Debt collection; Providing financial portfolio management services; Transaction card payment processing and card payment adjustment processing for others, provided directly or through third parties; Providing credit card services to financial institutions, namely, services designed to assist financial institutions in deciding whether to extend credit, risk management services, credit card services designed to ensure the proper handling of charge backs, collections and recovery of both delinquent and charged-off accounts, cardholder requests for additional or replacement cards, PINs and changes of name, address or phone number, and account maintenance services

On-line journals, namely, blogs featuring advice and information on investing and financial literacy; Providing on-line non-downloadable articles in the field of investing and financial literacy; Providing online non-downloadable videos in the field of investing and financial literacy; Providing on-line tutorial videos in the field of investing and financial literacy, not downloadable

Providing temporary use of on-line non-downloadable software for accessing bank account information, managing bank accounts, credit card accounts, electronic transmission of funds, and financial transactions; Electronic monitoring of credit card activity to detect fraud via the internet; Protection against fraudulent credit card transactions by providing detection and identification of fraudulent credit card transactions, namely, threat analysis for protecting credit card data; Monitoring point of sale transactions, Internet transactions, automated teller machines, and electronic transactions to facilitate the detection and prevention of fraud; Providing credit card fraud detection services, namely, threat analysis for protecting credit card data; Hosting of servers for others

Dispute resolution services