LEDGERPAY

Consumer analytics services, namely, securely collecting and analyzing purchase data arising from point-of-sale transactions with merchants, and providing marketing, promotion and inventory recommendations to merchants based on payments-related data; Business administration of consumer loyalty programs

Payment processing services, namely, credit card and debit card transaction processing services, gift card management services, and corporate payment processing services; Automated Clearing House (ACH) transaction processing services; Loyalty program payment processing services