Customer services, namely, providing an interactive voice response unit to respond to queries from credit card holders; customer related services, namely, responding to credit cardholder inquiries regarding balance, available credit, account status, authorizations, payments or credit line; processing credit cardholder disputes; providing additional copies of credit cardholder statements; customer service in the field of processing emergency credit line increase requests; providing customer service by trained customer service representatives in the field of credit cards via telephone; customer service for proper handling of credit cardholder requests for additional or replacement cards, PINs and changes of name, address or phone number

Providing credit card services to financial institutions, namely, services designed to assist financial institutions in deciding whether to extend credit, risk management services, credit card services designed to ensure the proper handling of charge backs, collections and recovery of both delinquent and charged-off accounts, and, account maintenance services; providing financial portfolio management services