HEALTHBENEFIT BANK

Owners

Goods & Services

Administration, financial management and maintenance of health savings accounts, medical savings accounts, health reimbursement arrangements and flexible spending accounts; offering consumer-driven health care plan, namely, underwriting, administration, financing, and maintenance of consumer-driven health care plans and defined contribution health care plans; debit card services, check cashing and check issuance, electronic debit transactions and electronic check processing transactions and providing financial information by electronic means via a global computer network, all of which are provided in connection with health care coverage plans; banking and financial services, namely, checking and savings account services, electronic funds transfer, cash management and disbursement services, acceptance of deposits and loan payments, electronic payment services, namely electronic processing of insurance claims and payment data, transmission of bill payment data, and processing electronic payments through pre-paid cards; providing secure financial transactions in the nature of electronic cash transactions, trustee services, namely fund trustee services, issuance of certificates of deposits, asset management services, issuance of stored-value cards and smart cards, credit card services, all of which are provided in connection with health care coverage plans