Downloadable mobile banking software application that enables members of credit unions and other financial institutions to view accounts and recent transactions, transfer funds, and locate specific branch ATMs

Business marketing and consulting services for use by credit unions, and other financial institutions; operation of telephone call center services for others, namely, for credit unions and other financial institutions; providing incentive reward programs offering points toward the purchase of goods and services of others to credit union members based on use of credit card, debit card, and credit union financial services; direct marketing services for the financial portfolios of credit unions and other financial institutions; providing billing statement information to credit union members; electronic processing of orders for others, namely, bank check orders; monitoring consumer credit reports and providing an alert as to any changes therein for business purposes

Financial consulting services for credit unions and other financial institutions via on-line, telephone and print communications in response to credit union member inquiries regarding general account information, and electronic statement summaries, for credit cards, share-draft accounts, W-2 forms and other tax statements, checking accounts, savings accounts, loan accounts, mortgage accounts, safe deposits, certificates of deposits and escrow accounts; providing financial portfolio management services for growth potential for use by credit unions and other financial institutions; debt settlement services for credit card accounts; credit card authorization and credit risk management services; providing financial information to credit card users via 24-hour on-line and telephone support services; collection services, namely, credit collection and recovery; credit card services for credit unions, financial institutions, consumers, and corporate and business users, namely, processing of credit card payments, credit card authorization services, and issuing credit cards; electronic debit card transaction processing for credit unions and other financial institutions; debit account services featuring magnetically coded cards; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; debit card verification; debit card transaction authorization services; debit card risk management; providing financial information to debit card users, namely, consumers and corporate and business debit card users, via 24-hour on-line, telephone, and SMS text messaging support services; Internet and mobile banking services, and banking services provided via SMS text messaging; electronic payment services involving electronic processing and subsequent transmission of bill payment data for credit union members via the Internet; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments

Educational services, namely, conducting seminars, conferences, workshops, and on-line classes in the fields of business management, financial services relating to credit unions, and professional development for credit unions and employees of credit unions, and other financial institutions

Technical support services, namely, troubleshooting in the nature of diagnosing computer hardware and software problems of credit unions and other financial institutions; computer technology consultation, computer diagnostic services, and computer systems analysis provided to credit unions and other financial institutions; and providing quality assurance services for credit unions and other financial institutions in the field of finance and banking; Fraud detection, prevention, and recovery services for credit unions, namely, electronic monitoring of credit and debit card activity to detect fraud via the internet, electronic monitoring of personally identifying information to detect identity theft via the internet, and financial records electronic signature verification services using technology to authenticate user identity; electronic monitoring of credit card activity to detect fraud

Fraud detection, prevention, and recovery services for credit unions, namely, electronic monitoring of credit and debit card activity to detect fraud via the internet, electronic monitoring of personally identifying information to detect identity theft via the internet, and financial records electronic signature verification services using technology to authenticate user identity