EFUNDS

ACCOUNT VERIFICATION SERVICES, NAMELY CHECK VERIFICATION AND CREDIT CARD VERIFICATION; ELECTRONIC COMMERCE SERVICES, NAMELY CUSTOMER FINANCIAL ADVICE AND DECISIONING, FUNDING, PAYMENT AND DEBIT PROCESSING, SETTLEMENT AND FULFILLMENT, AUTOMATED TRANSACTION AUTHORIZATION AND VERIFICATION, AND PROVIDING AUTOMATED CLEARING HOUSE, AUTOMATED TELLER MACHINE, POINT-OF-SALE AND GLOBAL COMPUTER NETWORK BANKING AND FINANCIAL TRANSACTIONS; ELECTRONIC CHECK PROCESSING AND CONVERSION; ELECTRONIC CHECK RE-PRESENTMENT; FINANCIAL ANALYSIS SERVICES, NAMELY AGGREGATING AND ANALYZING DATA GENERATED BY DEMAND DEPOSIT ACCOUNTS AND RELATED TRANSACTIONS, AND PREPARING RELATED REPORTS; ELECTRONIC TRANSFER OF FUNDS AND FINANCIAL INFORMATION CATALOGUING AND RESEARCHING INFORMATION AND TRANSACTIONS INVOLVING ELECTRONIC FUNDS TRANSFER; PROCESSING OF PAYMENT AUTHORIZATIONS; VERIFICATION OF PAYMENTS REQUESTS AND FUNDS SUFFICIENCY; CATALOGUING CUSTOMER ACCOUNT DATA; AUTOMATED TELLER MACHINE SERVICES, NAMELY CASH MANAGEMENT, BALANCING AND SETTLEMENT; CARD ISSUANCE AND MANAGEMENT SERVICES, NAMELY AUTHORIZATION, ON-LINE ORDERING OF CHECKS

PERSONAL IDENTIFICATION NUMBER HANDLING, AUDITING, SECURITY AND REPORT GENERATION; FRAUD AND RISK MANAGEMENT SERVICES, NAMELY POINT-OF-SALE, GLOBAL COMPUTER NETWORK-BASED AND IN-BRANCH DETECTION OF CHECK, DEBIT AND CREDIT CARD FRAUD, AND INFORMATION COMPARISON AND IDENTITY MANIPULATION SEARCHING