Financial records management; promoting the goods and services of others by means of a preferred customer program featuring dining privileges and benefits to card members to obtain benefits or discounts at restaurants, bars, food specialty stores and other dining, food or wine establishments; arranging and conducting incentive reward programs to promote the sale of goods and services of others in connection with the use of debit cards, credit cards, and stored value prepaid cards; conducting a credit card and debit card customer incentive program; promoting the sale and usage of credit card accounts, debit card accounts, smart card accounts and other payment access devices through the administration of an incentive award program to retail merchants; promoting the goods and services of others by means of discounts, incentives and statement credits generated in connection with the use of credit cards; promoting the use of credit cards through marketing offers and cardholder incentives; administration of a consumer loyalty program to promote restaurant services and retail services of others; business administration of consumer loyalty programs; promoting the use of credit and charge cards through the offering of special offers and promotions of others to card members; promoting and marketing the goods and services of others by distributing advertising material, coupons and discount offers via text messages; promotional contests for promoting the sale of goods and services of others generated in connection with the use of payment cards; data processing in the field of banking; promoting activation and usage of payment cards for financial institutions through discount, administration of incentive award programs; promoting the sale of credit card accounts through the administration of incentive award programs; promoting activation and usage of payment cards for financial institutions; promoting public awareness of benefits and perks generated in connection with the use of payment cards, through advertising designed to motivate cardholders to pursue interests and opportunities in the fields of travel, entertainment, fine wine and food, and sports; promoting the sale of the goods and services of others by means of incentive rewards programs generated in connection with the use of credit, debit and payment cards via wireless networks, mobile telecommunications devices or global computer networks; promoting the sale of the goods and services of others by means of incentive rewards programs generated in connection with the use of credit, debit and payment cards to promote access to coupons, vouchers, voucher codes and rebates at retailers; administration of a customer loyalty program to promote the purchase of the goods and services of others which provides rewards for credit card use; promoting the sale of goods and services of others through the issuance of rewards for credit card use; credit card registration services; bill presentment services

Financial transaction authentication and verification services, namely, credit card and debit card authentication and verification; electronic processing of financial lending applications via a global computer network; managing and analysis of financial accounts via a global computer network, namely, financial administration of credit and debit card accounts and financial analysis services; financial services, namely, issuance of credit cards and debit cards; bill payment services; payment card services, namely, credit, debit, and cash card payment processing services; banking services; providing student loans; online banking; arranging of loans; consumer lending services; financing and loan services; credit card services, namely, issuing of credit cards and processing of credit card payments and transactions; credit card verification services, credit card authentication services and credit card factoring services and cash and rebate services for credit card use as part of a customer loyalty program; stored value prepaid card factoring services and cash and rebate services for stored value prepaid card use; credit risk management services; consumer lending services; administration of savings accounts; charge card and credit card payment processing services; debt collection services; credit and cash card payment processing services; credit card authorization services; credit recovery and collection; debt recovery services; debt settlement services; internet banking; electronic loan origination services; electronic loan preparation services; electronic transfer of money; electronic transfer of funds; evaluation of credit bureau data; loyalty program payment processing services; processing of contactless credit card payments; processing of credit card payments; providing electronic processing of electronic funds transfer, ach, credit card, debit card and electronic check and electronic payments; cash disbursement and cash replacement services rendered by credit card; offering cash rewards for use of banking services as part of a customer loyalty program; transaction authorization and settlement services; providing financial information, namely, providing financial data information and financial reporting on credit and debit card usage; credit management services, namely, credit consultation, credit scoring services, credit risk management; dissemination of financial information via a global computer network; offering cash rewards for use of banking, credit card, and debit card services as part of a customer loyalty program; cash incentive programs for credit card users, namely, cash and other rebates for credit card use as part of a customer loyalty program; providing cash and other rebates for credit card use as part of a customer loyalty program; providing personal loans and lines of credit; gift card transaction processing services; electronic remote check deposit services; fraud reimbursement services in the field of credit card purchases; vehicle loans; online banking services accessible by means of downloadable mobile applications; payment and funds verification services; providing equity lines of credit; business credit reporting services; business credit verification services; commercial lending services; credit consultation; credit counseling services; debt management services; evaluation of credit worthiness of individuals and businesses; facilitating and arranging for the financing of loans; investment fund transfer and transaction services; money lending; providing on-line financial calculators; proprietary credit card services, namely, issuance of credit cards, credit card factoring services, credit card verification and authentication services; bill payment services; providing personal loans; cash incentives program, namely, offering cash rewards and other rebates for credit card users for use of credit card services as part of a customer loyalty program; mortgage lending services; providing alerts as to any activity and changes of consumer financial transactions, namely, online banking services featuring electronic alerts that alert credit card, debit card, and prepaid card users of any activity and changes of consumer financial transactions

Telecommunication services, namely, providing electronic message alerts via the internet notifying individuals of any activity and changes of consumer financial transactions; telecommunication services, namely, providing electronic message alerts via the internet to individuals for unauthorized use of social security numbers to facilitate the detection and prevention of identity theft and fraud

Educational services, namely, conducting classes, seminars, conferences, and workshops in the field of banking, finance, and credit card transactions; educational services, namely, conducting classes, seminars, conferences, and workshops in the field of banking, finance, and credit card transactions, and printable materials distributed therewith; providing information in the field of financial education