SPENTRA

magnetically encoded debit cards, prepaid purchase cards and stored value cards; electronic chip encoded debit cards, prepaid purchase cards and stored value cards; downloadable mobile applications for managing bank accounts, making financial transactions including deposits, withdrawals, payments, and money transfers and providing information regarding payroll accounts, bank accounts and ATM locations; downloadable mobile applications for payroll processing which involve issuing debit cards, prepaid purchase cards or stored value cards to employees instead of paychecks; downloadable mobile applications for payroll processing services which involve issuing debit cards, prepaid purchase cards or stored value cards to employees for all or part of their earned, unpaid wages prior to payday

electronic payroll administration, management, preparation and processing services; payroll preparation and processing services; payroll processing services which involve issuing debit cards, prepaid purchase cards or stored value cards to employees instead of paychecks; payroll processing services which involve issuing debit cards, prepaid purchase cards or stored value cards to employees for all or part of their earned, unpaid wages prior to payday

debit card services; issuing debit cards; debit card services allowing employees to receive prepaid debit cards instead of paychecks; debit card services allowing employees to access all or part of their earned, unpaid wages via debit card prior to payday; payment processing services, namely, debit card transaction processing services; prepaid purchase card services; issuing prepaid purchase cards; purchase card services allowing employees to receive prepaid purchase cards instead of paychecks; purchase card services allowing employees to access all or part of their earned, unpaid wages via prepaid purchase cards prior to payday; payment processing services, namely, processing electronic payments made through prepaid purchase cards; stored value card services; issuing stored value cards; stored value card services allowing employees to receive prepaid stored value cards instead of paychecks; stored value card services allowing employees to access all or part of their earned, unpaid wages via prepaid stored value cards prior to payday; payment processing services, namely, processing electronic payments made through stored value cards; on-line prepaid card services; electronic cash transactions; electronic loan preparation services; electronic loan origination services; on-line banking services; providing on-line banking information; ATM banking services; providing on-line ATM banking information; electronic money transfer; providing on-line information regarding electronic money transfer; Automated Clearing House (ACH) transaction processing services provided via mobile applications or websites; providing on-line information regarding Automated Clearing House (ACH) transactions

non-downloadable computer software for managing bank accounts, making financial transactions including deposits, withdrawals, payments, and money transfers and providing information regarding payroll accounts, bank accounts and ATM locations; non-downloadable software for payroll administration, management, preparation and processing services; non-downloadable software for payroll preparation and processing services; non-downloadable software for payroll processing services which involve issuing debit cards, prepaid purchase cards or stored value cards to employees instead of paychecks; non-downloadable software for payroll processing services which involve issuing debit cards, prepaid purchase cards or stored value cards to employees for all or part of their earned, unpaid wages prior to payday