Ribbit, Inc.

BANKQUALIFY

BANK QUALIFY;Bank account verification services, namely, providing bank account information to verify bank account balances; Payment and funds verification services; Payment processing services, namely, credit card and debit card transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options; Bill payment services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Financial risk management; Financial risk management consultation; Credit risk management; financial risk management services for the detection and prevention of fraud; Underwriting services for credit products and financial transactions, namely, insurance underwriting services for all types of insurance;Fraud and identity theft protection services, namely, electronic monitoring of credit card, debit card, and prepaid card activity to detect fraud via the internet; Electronic monitoring of personally identifying information to detect identity theft via the internet; Computerized fraud detection services, namely, electronic monitoring of credit card, debit card, and prepaid card activity in the field of finance, banking, credit, debit and payment cards to detect fraud via the internet; Computerized security services, namely, electronically monitoring, detecting and reporting on personally identifying information of customers to detect suspicious and abnormal patterns regarding point of sale activity indicating theft, fraud, or other criminal activity related to such personally identifying information; Providing computerized fraud detection services, namely, electronic monitoring for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Computerized fraud detection and evaluation services, namely, electronic monitoring of credit card activity to detect fraud via the internet utilizing information obtained by financial institutions that features data from payment card transactions, for purposes of detecting fraudulent uses; Platform as a service (PAAS) featuring computer software platforms that accommodate multiple types of interaction services including payment and debt transactions, registration, login, loyalty, couponing, KYC (know your customer), AML (anti money laundering), identity management and other consumer behavior online, in-store and at the point of sale or on-the-go; Providing temporary use of a non-downloadable web application for onboarding new bank account customers;

RIBBIT

downloadable computer and mobile application software for providing an online platform for others for the purpose of locating and describing eco-friendly restaurants and coffee shops; downloadable computer and mobile application software for customer relationship management, marketing, and yield management in the food service industry; downloadable computer and mobile application software for displaying and sharing a user's location and finding, locating, and interacting with eco-friendly restaurants and coffee shops and patrons thereof; downloadable computer and mobile application software for providing consumer information, namely, compilations, rankings, ratings, reviews, referrals and recommendations relating to eco-friendly restaurants and coffee shops;

TOP TOAD

retail clothing stores featuring T-shirts, sweat clothes, hats and other casual clothing;