CREDIT CARD USER LOYALTY PROGRAMS WHEREBY CREDIT CARD HOLDERS ACCUMULATE POINTS BASED ON CREDIT CARD USE THAT CAN BE EXCHANGED FOR THIRD PARTY MERCHANDISE AND SERVICES; PROVIDING ASSISTANCE TO TRAVELERS IN THE FORM OF PROVIDING MEDICAL AND LEGAL REFERRALS; [ PROVIDING FACILITIES FOR THE USE OF OFFICE EQUIPMENT AND FOR BUSINESS MEETINGS ]

TRAVEL AND EXPENSE ACCOUNT MANAGEMENT SERVICES, NAMELY CREDIT CARD BILL PRESENTMENT AND PAYMENT SERVICES, PROVIDING DETAILED RECORDS AND MANIPULATABLE REPORTS ON CREDIT CARD TRANSACTIONS, AND INFORMATION AND REPORTING SERVICES RELATED THERETO PROVIDED BY MEANS OF SOFTWARE, COMPUTER MODEM AND THE INTERNET; CREDIT CARD SERVICES; PROVIDING ASSISTANCE TO TRAVELERS IN THE FORM OF RECOVERING OR REPLACING LOST OR STOLEN TRAVELERS CHECKS AND CREDIT CARDS; OFFERING FLIGHT, BAGGAGE, RENTAL CAR AND TRAVEL INSURANCE UNDERWRITTEN BY THIRD PARTIES TO CREDIT CARD HOLDERS

PROVIDING ASSISTANCE TO TRAVELERS IN THE FORM OF RECOVERING OR REPLACING LOST OR STOLEN TRAVEL DOCUMENTS