ESWITCH

FINANCIAL SERVICES, NAMELY, FINANCIAL ACCOUNT MANAGEMENT AND TRANSFER SERVICES FOR USE BY FINANCIAL INSTITUTIONS OR THEIR CUSTOMERS FOR TRANSFERRING PRE-AUTHORIZED CREDITS AND DEBITS FOR USE WHEN BANKING CUSTOMERS CHANGE FINANCIAL INSTITUTIONS OR CHANGE THEIR PRIMARY TRANSACTION ACCOUNT, OR FOR MANAGING ACCOUNT CHANGES AND TRANSFERRING PRE-AUTHORIZED CREDITS AND DEBITS WHEN FINANCIAL INSTITUTIONS MERGE; FINANCIAL ACCOUNT NOTIFICATION AND TRANSFER SERVICES, NAMELY, NOTIFYING EMPLOYERS, BILLING AGENCIES, CREDITORS, AND CREDIT AND DEBIT FIRMS ABOUT ACCOUNT TRANSFERS, AND SYNCHRONIZING THE CLOSURE OF FORMER ACCOUNTS AND THE TRANSFERRING OF RELATED BALANCES OF THOSE ACCOUNTS