Higher One, Inc.

$TART WITH CHANGE

START WITH CHANGE;Financial advice for college students, namely, helping students learn to manage their money more effectively, and assisting colleges and universities with increasing the financial capability of their students;

ALL YOU

Banking and financing services; Banking services; Bill payment services; Bill payment services provided through a website; Debit card services; Electronic cash transactions; Electronic debit transactions; Electronic funds transfer; Financial management; On-line banking services;

HIGH TOUCH SERVICE

Customer relationship management; customer service in the field of higher education, namely, providing customer service for students and customer service management for institutions of higher education who require assistance in handling inquiries in the fields of business office solutions, project management, marketing programs, relationship management, regulatory compliance, training programs, administrative issues and student financial literacy; providing project management services for others for business purposes, advertising and marketing services, customer relationship management, business office functions, and management and operation of 24/7 telephone call centers for others, all in the field of higher education;SERVICE;

MY ONE

Banking and financing services; Banking services; Debit card services; On-line banking services;

REFUND MANAGEMENT

Financial services, namely, electronic funds disbursement administration services;