Downloadable mobile software applications for banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers and to participate in a customer referral network and to exchange cash, rebates and other promotional credits/or referral of others for goods and services and to compile and report data related to a customer loyalty and incentive reward program

Providing information about and making referrals in the field of consumer products and services for retail services concerning products, services, events, activities, attractions and facilities in particular geographic locations; providing information about and making referrals in the field of residential real estate concerning real estate brokerage, leasing, purchasing and construction; advertising and marketing services provided by means of indirect methods of marketing communications, namely, social media, inquiry marketing, internet marketing, mobile marketing, blogging and other forms of passive, sharable or viral communications channels; organization, management and operation for others of a customer loyalty and incentive program in which customers obtain goods, services, awards or value by referring others and accumulating and receiving cash, rebates or other promotional credits obtained in connection with the purchase of banking, finance, credit cards and debit card and consumer goods and services; advertising and promotion of goods and services of others by means of an incentive rewards program; consumer loyalty services/or commercial, promotional and/or advertising services, namely, administration of consumer loyalty and incentive programs/or others that allows customers to receive cash, rebates or other promotional credits/or their referral of others/or goods and services related to banking, lending and finance, credit cards and debit cards, and the purchase of a variety of consumer products and services; providing cash and other rebates/or credit card and debit card use as part of a customer loyalty and incentive reward program

Providing information in the field of residential real estate concerning real estate brokerage, leasing, and purchasing

Educational services, namely, providing online training, classes and workshops in the field of banking and finance for customers

Providing temporary use of a non-downloadable web-based application for banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers and to participate in a customer referral network and to exchange cash, rebates and other promotional credits/or referral of others for goods and services and to compile and report data related to a customer loyalty and incentive reward program; software as a service (SAAS) services featuring software for banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers and to participate in a customer referral network and to exchange cash, rebates and other promotional credits/or referral of others for goods and services and to compile and report data related to a customer loyalty and incentive reward program; software as a service (SAAS) services, namely, hosting software for use by others for customers to participate in a loyalty and incentive reward program and for banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers

Providing mobile and web-based applications and/or online portal for customers to participate in a loyalty and incentive reward program and/or banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers and to participate in a customer referral network and to exchange cash, rebates and other promotional credits/or referral of others for goods and services and to compile and report data related to a customer loyalty and incentive reward program; software as a service (SAAS) services featuring software for customers to participate in a loyalty and incentive reward program and for banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers and to participate in a customer referral network and to exchange cash, rebates and other promotional credits/or referral of others for goods and services and to compile and report data related to a customer loyalty and incentive reward program; sojiware as a service (SAAS) services, namely, hosting software for use by others for customers to participate in a loyalty and incentive reward program and for banks, financial institutions, retail merchants, real estate brokers, insurance companies, mortgage companies and business to advertise and promote their consumer and financial goods and services to customers and to participate in a customer referral network and to exchange cash, rebates and other promotional credits for referral of others for goods and services and to compile and report data related to a customer loyalty and incentive reward program