VALITOR

Data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; advertising services, namely, selective insertion of promotional and informational materials into mailings or on the internet; advertising and marketing services, namely, direct mail advertising, advertising on the Internet, development and creation of advertising brochures, and preparing promotional materials for others; marketing services for others, namely, document formatting and providing a common gateway to manage and format marketing campaigns across delivery channels including print, e-mail and over a global computer network; marketing and advertising services for others, namely, offering onscreen advertising on automatic teller machines ; business management, namely, information and workflow processing management services; business administration services, namely, computerized order processing and inventory management; developing and implementing electronic commerce capabilities for clients via a global communications network and automated teller machines; business services, namely, preparing and issuing statements of financial accounts, tracking information sent in mailings and issuing mailings based on account activities; providing business information management services, namely, managing a database of business information and data and preparing models, reports and correspondence based on such information for use in management activities and in customer mailings; business services for others, namely, database modeling, scoring and information services for card issuers, deposit banks, and other direct marketers; business investigations, namely, applicant background screening services; accounts receivable management services, namely, pre- and post-charge off collection services, operation of customer call centers and technical assistance and training services in relation thereto; customer care services over the phone and over a global computer network; in-bound and out-bound telemarketing; providing in-bound and out-bound automated business information; business consulting services relating to the resolution of customer service inquiries for financial institutions and merchants; providing business consulting relating to the handling of disputed transactions on credit and debit cards; administration of incentive reward and promotional programs for financial institutions and merchants to generate customer loyalty; promoting the sale of the goods and services of others through the distribution of printed material and promotional contests; maintenance of financial records; discount card services; providing online inventory management; customized financial statement services

Underwriting and brokerage of travel accident insurance, medical expenses insurance, disruption of trip insurance, emergency accompaniment insurance, luggage insurance, purchases insurance, luggage delay insurance, travel delay insurance, abduction/kidnap insurance, cancellation insurance, liability insurance, car rental insurance, liability insurance, the foregoing services offered to credit, debit or stored value card customers; insurance administration and insurance claims processing services; check verification, credit recovery and collection services, check cashing services; banking services, namely, check authorization services, check acceptance services, check guarantee services, and electronic check conversion services; processing of financial transactions both on-line via a computer database or via telecommunications and at the point of sale; maintenance of financial records; electronic funds transfer and currency exchange services; dissemination of financial information via the internet and other computer networks; stored value electronic purse services, namely, providing stored value card account payment services, prepaid telephone calling card services, cash disbursement services; provision of debit and credit services by means of radio frequency identification devices in the nature of transponders; provision of debit and credit services by means of communication and telecommunication devices; cheque verification services; provision of financial services for the support of retail services provided through mobile telecommunications means, namely, credit card payment services through wireless devices; bill payment services; on-line banking; provision of financial information relating to rates of exchange; payment processing and automatic payment deduction services; electronic payment transaction processing and authorization services; payment transaction processing via form factor devices employing contactless or magnetic stripe technologies; electronic processing and wireless electronic processing of check, credit, debit and stored value card payment transactions; electronic bill payment services, namely, electronic processing and transmission of bill payment data; bill payment services allowing consumers to pay for goods and services by credit, debit or stored value card or check at the point of sale, over a global computer network; automatic teller machine and debit card processing services; financial services, namely, banking and credit card services; money exchange and money transfer services; providing credit card, debit card, charge card and stored value prepaid card services; electronic banking, bill payment services; credit card services, debit card services, charge card services, cash advance services for business and merchants; stored value card account access services; credit card, debit card, charge card, pre-paid card and stored value card services; financial services, namely, checking and savings account management, and debt collection; financial transaction capture, settlement, reconciliation and reporting; charge back handling and payment authentication services; banking services, namely, maintaining escrow accounts for security, bill pay, account management, account summary and account transfer over a global computer network; online banking consulting services, namely, consulting relating to the design, implementation and management of online banking systems for financial institutions; account services, namely, providing financial information from databases and live operators for financial institutions and merchants by means of telephone and over a global computer network; credit and financial risk management analysis and assessment services; providing interactive databases in the field of credit card account management and authorization; providing an on-line, interactive computer database featuring financial information regarding credit and debit card holders, credit and debit card accounts, and credit and debit card transactions; providing an online computer database which enables merchants to access and download check, credit card, debit card, stored value card and electronic benefits transfer card transaction information and payment related data; providing online bill payment services; providing interactive databases containing financial information in the nature of financial transaction data and customer data; financial services, namely, currency conversion services that allow the customer to pay for goods in the currency of their choice and allow the merchant to receive payment in the currency of their choice; financial risk management services, namely, prevention, detection and recovery of financial losses; issuing credit, debit, and stored value cards; financial portfolio management services for card holders; financial research services, namely, analysis of financial data and information for comparison to industry standards; access to computer networks, namely, point of sale banking and automatic cash distribution networks

Telecommunications services, namely, transmission of messages, in particular, in regard to financial transactions; providing access to a global computer network; transmission of sound and vision via interactive multimedia networks; digital transmission of voice, data, images, signals, and messages; transmission of messages and images by means of computer and data processors; telephone communications