CONSUMER CLOUD

Debit card, cash card, credit card, and stored value card services; banking services; on-line banking services; checking account services; money transfer services; electronic transfers of money; financing services; cash-acceptance transaction services for supporting the funding of prepaid debit cards; analysis and evaluation of the creditworthiness of individuals; electronic payment services, namely, electronic processing and transmission of bill payment data; providing funds replenishment, banking, and electronic funds transfer services in connection with debit card services that permit card holders to fund debit cards, make online and telephone payment transactions, and pay for consumer services, debts, and bills; payment processing services, namely, processing electronic payments made through debit cards, cash cards, credit cards, and stored value cards; funding online cash accounts from prepaid debit card accounts; electronic check transaction processing services; financial investment services in the field of certificates of deposit; automated teller machine (ATM) banking services; foreign exchange services, namely, foreign exchange transactions, foreign exchange information services, and providing for the exchange of foreign currency; issuance of bank checks and travelers checks; providing information and consultation in the fields of debit, stored value, credit, and cash card services, debit card, bill payment, and electronic check transaction processing services, and online banking