THE BANK THAT SAVES YOU TIME MAKES YOU MONEY

magnetic coded and electrically encoded integrated circuit cards containing programming used to implement banking and financial services

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 PROGRAMS

BANKING AND FINANCIAL SERVICES; NAMELY, BANKING AND CREDIT, DEBIT AND STORED VALUE CARD SERVICES; ELECTRONIC TRANSACTION SERVICES, NAMELY, ELECTRONIC CASH TRANSACTIONS; ELECTRONIC CREDIT CARD TRANSACTIONS, ELECTRONIC DEBIT TRANSACTIONS, AND ELECTRONIC STORED VALUE CARD TRANSACTIONS; 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; LOAN FINANCING AND FINANCING SERVICES; CASH MANAGEMENT; AND CURRENCY EXCHANGE AND ADVICE, ALL ACCOMPLISHED IN FACE-TO-FACE TRANSACTIONS AND VIA A GLOBAL COMPUTER INFORMATION NETWORK