CITI PAY OVER TIME

Promoting the sale of credit card accounts, and the goods and services of others, through credit card customer loyalty, reward, and incentive programs; promoting the sale of goods and services of others by providing purchase points for credit card use as part of a customer loyalty, reward, and incentive program

Credit card services, namely, transaction processing, payment processing, providing lines of credit for purchase transactions and cash access, providing statement credits for fraudulent charges, verification, authorization and account administration services and issuing credit cards; consumer lending services; financing of purchases; banking services; installment loan services; credit card program maintenance, management and reporting services, namely, providing information in the fields of credit ratings, credit usage, credit reports and credit scores; facilitating secure financial business transactions all provided via global computer network by providing payment services, namely, electronic funds transfers, financial electronic transaction authorization and settlement services for loyalty and rewards currencies