AMERICAN EXPRESS ADVANTAGE

Software for reconciling and processing credit card and charge card transactions; software used to create spending profiles of customers and identify target customers and markets; customer demographic software; credit card and charge card fraud reduction and verification software

Reconciling financial credit card transactions for others; electronic credit card transaction services; credit card and charge card transaction services and payment services; securing the financial transactions of others over a global computer network

Web site creation for others and consulting services rendered in connection therewith