Cardholder Management Services, L.P.

CARDHOLDER MANAGEMENT SERVICES

providing credit card services to financial institutions, namely, credit underwriting, risk management, customer services, namely, responding to cardholder inquiries regarding balance, available credit, account status, authorizations, payments or credit line; processing cardholder disputes; providing toll free interactive voice response unit; providing telephone access to trained customer service representatives; providing additional copies of cardholder statements; processing emergency line increase requests; and performing account maintenance and processing of cardholder requests for additional or replacement cards, PINs, and changes of name, address or phone numbers, collection services, and charge back services; financial portfolio management;SERVICES;alternative dispute resolution;