NEOTERM

Financial Services, namely, Automated Teller Machine (ATM) banking and cash management services, namely, processing electronic debit transactions when a debit card is used in the machine and cash is withdrawn from the machine; Electronic debit card, credit card, and ATM card transaction processing, namely, processing electronic cash advance transactions when a credit card is used in an ATM and cash is withdrawn from an ATM; Financial bank account information provided by electronic means, namely, processing balance inquiry transactions when a debit card or credit card is used in an ATM to provide requested bank account information; Financial services, namely, providing surcharge-free ATM withdrawals for a time period for a fee in the nature of ATM banking services; Providing cash and other rebates for credit and debit card use as part of a customer loyalty program, namely, providing surcharge-free ATM withdrawals for a time period for a fee by providing cash rebates to customer accounts when surcharges are incurred; Providing ATM banking services and related ATM banking consultation and advisory services; Financial services, namely, providing bill payment services when a debit card or credit card is used in the machine to establish a fund transfer to a third party; ATM banking services