SMARTERBANK

[ MAGNETICALLY ENCODED CREDIT CARDS, DEBIT CARDS, AND PREPAID RELOADABLE DEBIT CARDS ]

[ CREDIT CARD, DEBIT CARD, AND PREPAID RELOADABLE DEBIT CARD SERVICES; FINANCIAL SERVICES, NAMELY, DIRECT AND ELECTRONIC BANKING SERVICES WITH AN INCENTIVE REWARDS PROGRAM; ] BANKING SERVICES; [ CHECKING ACCOUNT SERVICES; ] PROVIDING A WEBSITE FEATURING FINANCIAL INFORMATION AND FINANCIAL ADVICE; PROVIDING INFORMATION VIA THE INTERNET ON THE SUBJECT OF FINANCING HIGHER EDUCATION