PAYNET MASTERSCORE

information services in the nature of commercial credit scoring, namely, the evaluation of credit and other data as credit risk predictors for the purpose of evaluating commercial credit worthiness, excluding the provision of banking services, the marketing, distribution, provision and issuance of payment cards, bank cards, debit cards, credit cards, telephone calling cards, stored value and/or prepaid-cards services, Automated Teller Machines ("ATM") and ATM services, electronic funds and currency transfer services, electronic payment services, travel insurance services, medical, auto and rental insurance for travelers, extended warranty, travel assistance insurance services, and/or check verification services