CONVERSATIONAL GIFTING

Promoting the goods and services of others by providing customer loyalty services and customer club services for commercial, promotional and/or advertising purposes where the recipient of the value provided is different than the purchaser of the value, namely, incentive award programs, group discounts, bonuses, coupons, and gift cards; processing manufacturers rebates; membership club services providing discounts and processing rebates for the services of others

Financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing payment and financial services, namely, electronic payment processing of credit cards and gift cards, namely, transactions where the recipient of the value provided is different than the purchaser of the value