CYBERWORKS

Life insurance agency services, namely, insurance actuarial services, insurance administration, insurance brokerage, insurance consultation, insurance underwriting in the field of life, health accident, fire and marine; credit card services; debit card services; charge card services; and check guarantee services; banking; temporary loans, namely, margin lending; monetary exchange; savings bank services; financial clearing houses; credit card verification via global computer information network; credit inquiry and consultation, namely, electronic credit risk management services; electronic payment, namely, electronic processing and transmission of bill payment data; electronic funds transfer services, namely, debiting and crediting financial accounts; electronics banking services; issuance of stored value cards, charge cards, and debit cards, all provided online from a computer database of the Internet