CONSUMER ACCOUNT CARD

Owner

Goods & Services

Insurance administration services, namely, determining insurance eligibility for individuals; insurance bill payment services, namely, administration of insurance plan co-payments; administration of employee and individual benefit plans; banking services; credit card services, debit cards services; issuing stored value card services; financial services, namely providing on-line stored value accounts in an electronic environment; banking services, namely, providing checking and savings deposit accounts; consumer lending services; electronic funds transfer; administration of pre-paid health care plans; administration of pre-paid health care plans in the nature of a defined contribution plan; health transaction clearinghouse services

Credit cards, debit cards, and stored value cards all without magnetic coding

Magnetically encoded credit cards, debit cards, and stored value cards; blank smart cards; encoded smart cards containing programming used in connection with managed care services, health benefits and ancillary benefit plans and products, employee benefits services, insurance administration services, banking, credit card, and debit card services

Managed care services, namely, electronic processing of health care transactions compliant with the requirements of HIIPAA (Health Insurance Portability And Accountability Act of 1996), medical cost management for health and ancillary benefit plans of group and individuals