HUMBOLDT MERCHANT SERVICES

[Financial records management; providing information and analysis by electronic means in connection with marketing data]

Broad based financial services, namely, credit card and debit card services; charge card transaction processing services; banking services; electronic credit and debit transaction processing; point of sale and point of transaction services, namely, electronic cash, credit card, and debit card transaction, authorization, and debt settlement services; credit card and debit card verification; payment transaction authentication and verification services in the nature of credit card and debit card verification services; facilitating person-to-person payment services through electronic means via a global computer network, namely, bill payment services; electronic funds transfer; providing financial information, namely credit and debit card data and reports; providing financial information by means of a secure information computer network; providing a wide range of financial information and financial analysis by electronic means in connection with credit cards, debit cards and other payment cards, credit cardholder spending and fraud, financial risk management, terminated credit cards of merchants and reporting of charge backs on credit cards