HEARTLAND

Financial services, namely, credit card, debit card, bank card, smart card and payment card transaction processing services; credit card, debit card, bank card, smart card and payment card verification services; check verification and processing services; credit card, debit card, bank card, smart card and payment card authorization services; electronic processing and transmission of payment data; providing electronic processing of credit card, debit card, bank card, smart card and payment card transactions via a proprietary and secure financial global computer network; debit card, smart card and payment card account services featuring a computer readable card; electronic funds transfer services; payroll tax debiting services; providing online financial services to retail merchants, namely, providing financial account management services and financial clearance services in the nature of clearing and settling financial transactions for merchants; providing account transaction information to merchants, namely, credit card, debit card, bank card, smart card and payment card transactions information and balances via a secure Internet website; information services, namely, financial information provided by electronic means