ESPEND

Owners

Goods & Services

Financial services, namely, currency exchange services; Currency trading; Currency transfer services; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial and monetary services, namely, internet commerce services in the nature of electronic commerce payment services, specifically establishing funded accounts used to purchase goods and services on the internet; electronic financial account services, namely, providing online stored value accounts in an electronic environment; prepaid banking and online cash account services; financial transaction services, namely, electronic processing and transmission of bill payments to online and offline retailers, merchants and content providers using cash account information stored in a centralized database; electronic funds and currency transfer services; credit card and debit card transaction authorization services and debt settlement services; cash disbursement services in connection with credit card payments; financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; debit card services, namely, processing of debit card payments; issuing of debit cards; financial and monetary services, namely, financial information, management and analysis services; bill payment services; issuing prepaid credit cards and debit cards, and online cash account services; issuing of prepaid credit and debit cards; electronic financial account services, namely, providing on-line stored value accounts in an electronic environment; financial transaction services involving electronic processing and transmission of bill payments to online and offline retailers and merchants using cash account information stored in a centralized database, namely, bill payment services; transaction authorization and settlement services, namely, credit card transaction processing services