IF YOUR BANK COULD START OVER, THIS IS WHAT IT WOULD BE.

MAGNETICALLY CODED AND ELECTRICALLY ENCODED INTEGRATED CIRCUIT CARDS CONTAINING PROGRAMMING USED TO IMPLEMENT BANKING AND FINANCIAL SERVICES; AND PREPAID TELEPHONE CALLING CARDS

PROMOTING THE SALE OF THE GOODS AND SERVICES OF OTHERS BY AWARDING DISCOUNTS AND PURCHASE POINTS FOR CREDIT CARD USE AND THROUGH THE ADMINISTRATION OF INCENTIVE AWARD PROGRAM; CREDIT CARD REGISTRATION SERVICES

BANKING SERVICES, NAMELY, BANKING AND CREDIT, DEBIT AND STORED VALUE CARD AND ELECTRONIC TRANSACTION SERVICES VIA A GLOBAL COMPUTER INFORMATION NETWORK; TELEPHONE CALLING CARD SERVICES; CASH REPLACEMENT BY CREDIT CARD; CREDIT CARD TRANSACTION PROCESSING SERVICES; ELECTRONIC CASH TRANSACTIONS; ELECTRONIC CREDIT CARD TRANSACTIONS; ELECTRONIC PAYMENT, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA; FINANCIAL INFORMATION PROVIDED BY ELECTRONIC MEANS; BROKERAGE SERVICES IN THE FIELDS OF INSURANCE, INVESTMENTS, MORTGAGES, MUTUAL FUNDS, SECURITIES AND STOCKS; INSURANCE CONSULTATION; INVESTMENT ADVICE AND CONSULTATION; FUNDS INVESTMENT; MUTUAL FUNDS INVESTMENT; PERSONAL FINANCIAL MANAGEMENT AND PLANNING; CASH MANAGEMENT; DEBT DEFERMENT SERVICES; FINANCING SERVICES; HOME EQUITY LOANS; INSTALLMENT LOAN AND LOAN FINANCING; SECURITY SERVICES, NAMELY, MONITORING, DETECTING AND PREVENTING FRAUD IN FINANCIAL TRANSACTIONS IN THE FIELDS OF BANKING, CREDIT CARDS, AND PREPAID TELEPHONE CALLING CARDS; CREDIT CARD INSURANCE SERVICES; CHECKING ACCOUNT SERVICES; SAVINGS ACCOUNT SERVICES; AND CURRENCY EXCHANGE AND ADVICE