ICBA WELLSERVE

Providing customer service management and operation of telephone call center services for others; Advertising and marketing; business and statistical business data analysis, namely, verifying and revising information on financial instruments presented for payment, and fraud reporting; Contacting consumers on behalf of credit companies to confirm receipt of credit cards; preparing and filing documents for financial institution customers for the purpose of reporting credit card fraud to the government; Statistical analysis and reporting services for business purposes; data management services for use in reporting debt collection for credit and debit card accounts for financial institutions

Commercial credit and debit card portfolio management services, in the nature of financial risk management; customer screening, in the nature of credit checking of customers to determine credit worthiness; providing financial information in the nature of verifying and revising financial information on payments made to creditors; Providing credit card services to financial institutions, namely, services designed to assist financial institutions in deciding whether to extend credit in the nature of credit checking and credit analyzing, credit risk management services; financial services designed to ensure the proper handling of chargebacks, namely, fraud reimbursement services in the field of credit card purchases; financial services designed to ensure the proper handling of collections and recovery of both delinquent and charged-off accounts, namely, debt collection; bank account management services in the nature of handling cardholder requests for additional or replacement cards, PINs and changes of name, address or phone number; bank account maintenance services and customer related services, namely, providing bank account information by responding to cardholder inquiries regarding balance, available credit, account status, authorizations, payments and credit lines; bank account services, namely, providing additional copies of cardholder statements; processing emergency credit line increase requests; and providing financial portfolio management services; issuance of digital credit cards

Providing online non-downloadable software for secure chat services with customers of financial institutions