HUMBOLDT MERCHANT SERVICES

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