HIGHNOTE

Downloadable software for use in payment processing, management, reporting and reconciliation and used to perform electronic business transactions and to monitor and track credit, debit, and prepaid physical and virtual cards, credit, debit, and prepaid payment codes, credit, debit, and prepaid payment devices, cash, and other forms of payment transactions; none of the foregoing including or for purposes of investment fund transfer and transaction services, investment security services, estate settlement services, wealth management services, financial asset allocation, cash flow management, investment management services, financial risk management consultation, or financial portfolio management services

Financial services, namely, online credit card payment and transaction processing and transmission of bills and payments thereof; Monitoring and tracking credit, debit, and prepaid physical and virtual cards, credit, debit, and prepaid payment codes, credit, debit, and prepaid payment devices, cash, and other forms of payment transactions; Clearing and reconciling financial transactions via electronic communications networks; merchant services, namely, payment transaction processing services; Payment and funds verification services; credit card verification services; Providing electronic processing of electronic funds transfer, ach, credit card, debit card, electronic check and electronic payments; Authentication services using technology for e-commerce transactions; Fraud mitigation and anti-money laundering services using technology in the nature of fraud protection and detection services for physical and virtual credit, debit, and prepaid card accounts and other payment accounts; none of the foregoing including or for the purposes of investment fund transfer and transaction services, investment security services, estate settlement services, wealth management services, financial asset allocation, cash flow management, investment management services, financial risk management consultation, or financial portfolio management services

Software as a service featuring software for use in payment processing, management, reporting and reconciliation, and monitoring and tracking credit, debit, and prepaid physical and virtual cards, credit, debit, and prepaid payment codes, credit, debit, and prepaid payment devices, cash, and other forms of payment transactions and for conducting electronic business transactions; Platform as a service featuring a platform for use in payment processing, management, reporting and reconciliation, and monitoring and tracking credit, debit, and prepaid physical and virtual cards, credit, debit, and prepaid payment codes, credit, debit, and prepaid payment devices, cash, and other forms of payment transactions and for conducting electronic business transactions; none of the foregoing including or for the purposes of investment fund transfer and transaction services, investment security services, estate settlement services, wealth management services, financial asset allocation, cash flow management, investment management services, financial risk management consultation, or financial portfolio management services