Downloadable mobile banking software application for use by credit unions and other financial institutions for providing the ability to view accounts, 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; portfolio marketing services, namely, direct portfolio marketing services for others for use by credit unions and other financial institutions; providing billing statement information to credit union members; assistance with requests for fund transfers, check orders and other banking needs in the nature of electronic processing of orders for others; monitoring consumer credit cards and providing an alert as to any changes therein; portfolio marketing services, namely, portfolio marketing services, namely, providing credit unions with guidance on marketing strategies, marketing tactics and market research data analytics, they can use to increase the adoption, activation, usage and penetration of their payment card programs and accounts

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 credit card transaction and financial portfolio management services for growth potential for use by credit unions and other financial institutions; providing credit unions and other financial institutions with a customizable web-based financial services management tool, namely, providing credit card portfolio performance information, providing financial market information, member financial account data, and providing financial information on pro forma scenario searches on portfolios via the Internet; 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, corporate and business users, namely, providing credit card services for photo identification credit cards, consumer, corporate and business credit cards and user-selected personal identification number credit cards; debit card services for credit unions and other financial institutions, consumer, corporate and business users, namely, bill payment services for credit unions and other financial institutions, namely, providing electronic transaction processing; debit account services featuring magnetically coded cards used for cash disbursement and cash replacement, deposit access featuring automated teller machine services and network services related thereto, namely, automated teller machine terminal banking drive-thru services; 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 and settlement services; debit card risk management; 24-hour on-line and telephone support services for debit card users, namely, providing financial information to consumers, and corporate and business debit card users; Internet and mobile banking services including SMS text banking; electronic payment services, namely, electronic processing and transmission of bill payment data for credit union members via the Internet; issuing stored value cards, namely, prepaid gift cards, and prepaid reloadable credit cards, for use by consumers, credit unions and other financial institutions; and financial services, namely, money lending services to credit unions and other financial institutions

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 consultation, diagnostic and systems analysis services 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

Providing fraud detection services for electronic funds transfer, credit and debit cards, signatures on financial records, personal identification numbers for banking, credit and debit cards, credit cards for on-line purchasing and electronic check transactions via a global computer network, for use by credit unions