OPTUM FINANCIAL

Business data analysis, namely, data modeling of behavioral and consumer data in the fields of health insurance, health care savings and finances, and health care spending; Business data analysis, namely, data analytics to visualize, track, and project a consumer's behavior and actions relating to finances, namely, health care spend and savings behavior

Financial services, namely, banking services, credit card and debit card payment processing services, issuing stored value cards, administering deposit and medical spending accounts, and electronic funds transfer; business banking services; credit and debit card transaction processing services; investment consultation; online banking services; online business banking services; bill payment services; electronic processing and transmission of bill payment data; providing information regarding banking, credit, money management, investing, investments and financial matters; counseling in the field of banking and financial services; administration, financial management and maintenance of health savings accounts and medical savings accounts; processing payments from business to business, from business to patient and from patient to business, namely, electronic funds transfers, electronic check, credit card, debit card, payment card and other electronic payments in the field of health care; Financial data analysis, namely, data modeling of behavioral and consumer financial data in the fields of health insurance, health care savings and finances, and health care spending; Financial data analysis, namely, data analytics to visualize, track, and project a consumer's behavior and actions relating to finances, namely, health care spend and savings behavior; Insurance services, namely, risk mitigation insurance in the field of health insurance; Financial risk management services, namely, advisory services on health insurance claims administration and stop-loss insurance

Providing on-line non-downloadable software for transmitting, retrieving and distributing patient payment, administrative and clinical data for use in the field of health care; providing on-line non-downloadable software for facilitating the transfer of patient payment, administrative and clinical data files via global computer information network for use in the field of health care; providing on-line non-downloadable software for managing, transmitting, retrieving, distributing and facilitating payments from business to business, from business to patient and from patient to business, namely, electronic funds transfers, electronic check, credit card, debit card, payment card and other electronic payments in the field of health care; providing on-line non-downloadable information system software, namely, software for facilitating the transfer of bill payment data, for use in the field of health care