CREDITABILITY

Portfolio marketing services, namely, direct portfolio marketing services for others

Providing credit card processing and servicing options to credit unions and other financial institutions for management of credit card portfolios, namely, credit card settlement services, credit card authorization and risk management services, financial portfolio management growth services, and credit card and charge card services, namely, 24-hour phone support services for credit card users, collection services, and providing user-selected personal identification numbers for use with credit cards

Fraud detection services in the field of credit cards for on-line purchasing