EARNIVA

Magnetically encoded charge cards; encoded electronic chip cards for use as charge cards; magnetically encoded credit cards; encoded electronic chip cards for use as credit cards

Credit card services, namely, loan servicing in connection with credit programs, credit card transaction processing services, credit card authorization services, and bill payment services; small business credit services, namely, loan servicing in connection with credit card programs, credit card transaction processing services, credit card authorization services, and bill payment services