C.R.E.A.M.

Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment

Providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty

Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Issuing prepaid debit cards; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards