SMARTIFICATE

Clubs offering members information, assistance, registration, discounts and rebates relating to auto, home, dining, food, cooking, entertainment, medical/dental, shopping, travel; advertising the goods and services of others on the global computer network; registration of credit, debit and ATM card information; reporting loss or theft of credit, debit and ATM cards to card issuers; reimbursement for fraudulent credit, debit and ATM card use; ordering of replacement credit, debit and ATM cards for others; providing emergency cash advances; providing buyer incentive awards for the sale of goods and services of others;

Insurance underwriting services; investment services;

Services for handling the personal business of others; providing web site tailored to viewer's interest; providing personal calendar for others on the global computer network; providing e-mail services; providing web site with chat room and information on various topics