PLEDGE

Financial services, namely, providing loan services, financial management, electronic funds transfer, debt restructuring, receivership, and loan resolution for commercial loans; financial and investment services, namely, asset and investment acquisition, consultation, advisory and development, capital investment; clearing and reconciling financial transactions via a global computer network and wireless networks; banking services; on-line banking services; internet banking services; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; providing payment and financial services, namely, creating, preparing, managing, sending, processing, tracking, and reconciling invoices; payment processing services in the nature of processing reimbursements for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and payment processing services in the nature of processing reimbursement related to disputed transactions in the field of electronic payment purchases; credit card transaction processing services; credit services, namely, providing revolving credit account services; credit bureau services; bill payments services; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; debt collection agency services; debt advisory services; deposits of valuables; electronic funds transfer; lending against security; insurance; mutual funds; organization of collections; credit card payment processing services; debit card payment processing services; providing financial information via a website; insurance brokerage and consultancy; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others