A-PAY

Conducting employee incentive award programs to promote employee wellness; administration of employee benefit plans concerning lifestyle spending accounts for use in paying expenses associated with employee wellness not covered by traditional health insurance plans

Magnetically encoded debit cards

Issuing of debit cards; provision and financial administration of a debit card savings program; financial administration of lifestyle spending accounts; providing information in the field of employee financial benefit plans and administration of employee financial benefit plans for clients via the Internet; administration of employee benefit plans concerning lifestyle spending accounts for use in insurance and finance

Providing a web site featuring technology that enables companies and organizations to administer and manage employee incentive award programs and to promote employee productivity, performance, recognition and morale