Providing promotional services to banks and other financial institutions relating to the referral of prospective customers, namely, the use of a rewards program for the referral of prospective clients using the internet, branch coupons, email coupons, and automated systems; Business management advisory and consultancy services, namely, advising financial institutions regarding revenue enhancement strategies employed with customers; Advertising services, namely, creating corporate brand identities for banks and other financial institutions by conducting incentive award programs for consumers to purchase merchandise of others via a gift redemption program; Promoting the goods and services of banks and other financial institutions through customer loyalty and customer rewards programs; Providing promotional service to banks and other financial institutions in the nature of an incentive program through which payment card account holders receive rewards based on the uses of their payment cards; Business services in the nature of establishing and administering consumer rewards programs that incentivize the use of payment cards by consumers through the provision of benefits.

Financial advisory and consultancy services, namely, advising banks and other financial institutions regarding financial management best practices and financial optimization of revenue enhancement strategies employed with customers.

Providing temporary use of a non-downloadable computer software application used by banks and other financial institutions, as well as their customers, to open and manage financial accounts, transmit and receive communications, store information and materials, and share information and materials, all pertaining to an account holder's account activities and business relationship with their bank or other financial institution; Software as a service (SAAS) services featuring white label software for opening and managing financial accounts, transmitting and receiving communications, storing information and materials, and sharing information and materials, all pertaining to an account holder's account activities and business relationship with their bank or other financial institution.