I

Operation of telephone call centers on behalf of others; customer support services on behalf of others, namely, providing customer service and product inquiry services by telephone, electronic mail, Internet, and on-line real-time response via chat rooms

Bill payment services; electronic funds transfer; electronic transfer of funds from account to account; electronic interbank transfer of funds; electronic intrabank transfer of funds; electronic processing and transmission of bill payment data via telephone, mobile telecommunications device, e-mail, or Internet; electronic processing and transmission of bill payment reminders to the mobile telecommunications devices of others or via the Internet to others or via e-mail to others; electronic processing and transmission of invoices to the mobile telecommunications devices of others or via the Internet to others or via e-mail to others; providing electronic processing and transmission of electronic payments on behalf of others; facilitating the initiation of electronic payments by others via Internet, telephone, or mobile telecommunications device; facilitating the initiation of check-based payments by others via Internet, telephone, or mobile telecommunications device; providing electronic processing and transmission of electronic funds transfers on behalf of others; facilitating the initiation of electronic funds transfers by others via Internet, telephone, or mobile telecommunications device; providing electronic processing and transmission of invoices on behalf of others; facilitating the initiation of electronic invoices by others via the Internet; delivering check-based payments on behalf of others and facilitating the initiation of such payments by others via Internet, telephone, or mobile telecommunications device; financial services, namely, payroll deposits

Providing electronic transmission of electronic payment data via e-mail, Internet, or mobile telecommunications device, for bill payment purposes

Delivery of funds via postal or courier service, for bill payment, gift-giving, or charitable donations; Electronic storage of customer records

Application service provider (ASP) featuring software for use in the fields of bill payment, bill payment reminders, electronic funds transfer, electronic payment, check-based payment, monetary gift-giving, monetary charitable donations, invoicing, payroll deposits, payroll management, accounts receivable management, tax payments, and electronic storage of customer records

Providing user authentication to others via electronic mail, telephone, Internet, or mobile telecommunications device in the fields of electronic funds transfer, electronic payment, check-based payment, monetary gift-giving, and monetary charitable donations, and facilitating the initiation of such user authentication by others via Internet