RETURN TO SPENDER

Magnetically encoded prepaid debit cards, stored value cards, loyalty rewards cards, gift cards and credit cards; consumer coupons downloaded from a global computer network

Retail store and online retail store services in the field of clothing, footwear, headgear, clothing accessories, bags, leather goods, sunglasses, jewelry, hair accessories, cosmetics, toiletries, fragrances and personal care products, toys and games; providing incentive award programs for customers through issuance and processing of loyalty points for purchases of company's goods and services; administration of a program for enabling participants to participate in incentive award programs to obtain rebates, savings and discounts on merchandise for the purpose of promoting and rewarding loyalty; providing incentive award programs for customers through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses; business services in the nature of online and electronic activation, tracking and processing of a retail loyalty, incentive, reward, gift and frequent buyer program

Credit card services; issuing prepaid debit cards, stored value loyalty cards, gift cards and credit cards; providing rebates for credit card use as part of a customer loyalty program; loyalty program payment processing services