THE BANK BUILT FOR PAYMENTS

banking services; on-line banking services; credit card and debit card services, namely, credit card and debit card payment processing services in the field of banking, credit card issuing services, credit card and debit card account balance management services in the field of banking, original credit transaction services in the field of credit card payments and payment processing, merchant acquiring bank services in the field of credit card payments and payment processing for customers consisting of merchant business entities, agent bank services in the field of credit card payments and payment processing for customers consisting of financial institutions or business entities; payment processing services, namely, electronic processing of electronic funds transfer, electronic check, and electronic payments; electronic payment services involving electronic processing and subsequent transmission of bill payment data, Automated Clearing House (ACH) payments and payment processing services; checking account services; savings account services; providing an internet website portal in the field of financial transaction and payment processing services; telephone banking services featuring funds transfer services, checking account stop-payment services, touch-tone balance report services, providing account balance, transaction history, and other banking and financial information, and information on other related banking services; risk services, namely, financial risk management services in the field of banking for customers consisting of natural persons, bank account risk management services for customers consisting of natural persons; fraud management services, namely, fraud reimbursement services in the field of credit card payments; facilitating person to person electronic payment means via a global computer network, namely, credit card, debit card, and stored value prepaid card payment processing services through electronic means via a computer network; credit risk management services

fraud management services, namely, electronic monitoring of personally identifying information to detect identity theft via the internet, suspicious bank account activity monitoring to identify and prevent fraudulent or otherwise illicit use of bank accounts and bank account funds, fraud management services in the field of credit card payments