THERE'S MORE TO DISCOVER

FINANCIAL RECORDS MANAGEMENT; ARRANGING AND CONDUCTING INCENTIVE REWARD PROGRAMS TO PROMOTE THE SALE OF GOODS AND SERVICES OF OTHERS IN CONNECTION WITH THE USE OF DEBIT CARDS, CREDIT CARDS, AND STORED VALUE PREPAID CARDS; CONDUCTING A CREDIT CARD AND DEBIT CARD CUSTOMER INCENTIVE PROGRAM; PROMOTING THE SALE AND USAGE OF CREDIT CARD ACCOUNTS, DEBIT CARD ACCOUNTS, SMART CARD ACCOUNTS AND OTHER PAYMENT ACCESS DEVICES THROUGH THE ADMINISTRATION OF AN INCENTIVE AWARD PROGRAM TO RETAIL MERCHANTS; PROMOTING THE GOODS AND SERVICES OF OTHERS BY MEANS OF DISCOUNTS, INCENTIVES AND STATEMENT CREDITS GENERATED IN CONNECTION WITH THE USE OF CREDIT CARDS; PROMOTING THE USE OF CREDIT CARDS THROUGH MARKETING OFFERS AND CARDHOLDER INCENTIVES; ADMINISTRATION OF A CONSUMER LOYALTY PROGRAM TO PROMOTE RESTAURANT SERVICES AND RETAIL SERVICES OF OTHERS; BUSINESS ADMINISTRATION OF CONSUMER LOYALTY PROGRAMS; ANALYZING AND COMPILING BUSINESS DATA TO PROVIDE INSIGHTS ON CUSTOMERS' PREFERENCES; BUSINESS ANALYSIS OF FINANCIAL TRANSACTION DATA; MARKETING SERVICES, namely, CREATION OF CUSTOM ANALYTICAL MODELING AND DATA SCIENCES TO PROVIDE INSIGHTS ON CUSTOMERS' PREFERENCES THAT PREDICT BEHAVIOR; BUSINESS DATA ANALYSIS SERVICES IN THE FIELD OF MARKETING AND TECHNOLOGY; UPDATING AND MAINTENANCE OF DATA IN COMPUTER DATABASES; PROMOTING THE USE OF CREDIT AND CHARGE CARDS THROUGH THE OFFERING OF SPECIAL OFFERS AND PROMOTIONS OF OTHERS TO CARD MEMBERS; PROMOTING AND MARKETING THE GOODS AND SERVICES OF OTHERS BY DISTRIBUTING ADVERTISING MATERIAL, COUPONS AND DISCOUNT OFFERS VIA TEXT MESSAGES, EMAIL, MOBILE APPLICATION NOTIFICATIONS, SOCIAL MEDIA; CONSUMER RESEARCH WHICH PROVIDES INSIGHTS ON CUSTOMERS' SHOPPING PREFERENCES; MARKETING SERVICES, namely, CONDUCTING CONSUMER TRACKING BEHAVIOR RESEARCH AND CONSUMER TREND ANALYSIS TO PROVIDE INSIGHTS ON CUSTOMERS' SHOPPING PREFERENCES; BUSINESS ADVICE, INQUIRIES, AND INFORMATION PROGRAM FOR SOLUTION PROVIDERS WHO PROVIDE PRODUCTS AND SERVICES THAT ARE USED BY ISSUERS AND ACQUIRERS ON A GLOBAL NETWORK; MAINTAINING A REGISTRY OF RECOMMENDED THIRD PARTIES WHOSE PRODUCTS AND SERVICES MEET NETWORK REQUIREMENTS; BUSINESS MARKETING SERVICES; BUSINESS TO BUSINESS DIRECT MARKETING SERVICES; PROMOTIONAL CONTESTS FOR PROMOTING THE SALE OF GOODS AND SERVICES OF OTHERS GENERATED IN CONNECTION WITH THE USE OF PAYMENT CARDS; PROMOTING THE SPECIAL EVENTS OF OTHERS; DATA PROCESSING IN THE FIELD OF BANKING; PREPARING OF BUSINESS REPORTS; TRACKING OF SALES VOLUMES FOR OTHERS; PROMOTING PAYMENT CARD USAGE, namely, PROMOTING THE SALE OF CREDIT CARD ACCOUNTS THROUGH THE ADMINISTRATION OF INCENTIVE AWARD PROGRAM AVAILABLE THROUGH PROGRAM REGISTRATION AND ELECTRONIC COMMUNICATIONS BY E-MAIL OR TEXT MESSAGES; BUSINESS INFORMATION SERVICES IN THE FIELD OF DATA ANALYTICS, namely, DATA SELECTION, DATA ARRANGEMENT, DATA PROCESSING, DATA PRESENTATION, DATA CLEANSING AND DATA DISTRIBUTION IN THE FIELDS OF MARKETING DEMOGRAPHICS AND CONSUMER PURCHASING BEHAVIORS RELATING TO BANKING AND FINANCIAL SERVICES; PROMOTING ACTIVATION AND USAGE OF PAYMENT CARDS FOR FINANCIAL INSTITUTIONS THROUGH DISCOUNT, ADMINISTRATION OF INCENTIVE AWARD PROGRAMS; PROMOTING ACTIVATION AND USAGE OF PAYMENT CARDS FOR FINANCIAL INSTITUTIONS; PROMOTING PUBLIC AWARENESS OF BENEFITS AND PERKS GENERATED IN CONNECTION WITH THE USE OF PAYMENT CARDS, THROUGH ADVERTISING DESIGNED TO MOTIVATE CARDHOLDERS TO PURSUE INTERESTS AND OPPORTUNITIES IN THE FIELDS OF TRAVEL, ENTERTAINMENT, FINE WINE AND FOOD, AND SPORTS; MARKETING CONSULTATION IN THE FIELD OF FINANCIAL SERVICES, INFORMATION SERVICES AND MARKETING SERVICES; MARKET RESEARCH; CONDUCTING MARKETING STUDIES; INFORMATION SERVICES, namely, ANALYZING CONSUMER PURCHASE AND BILL PAYMENT INFORMATION FOR CONSUMER PURCHASE BEHAVIOR ANALYSIS, RISK ANALYTICS, MARKETING AND ECONOMIC FORECASTING; PROVIDING ELECTRONIC BILL PRESENTMENT SERVICES; BUSINESS NETWORKING, namely, BUSINESS INTERMEDIARY SERVICES RELATING TO THE MATCHING OF GOVERNMENT AGENCIES, ACADEMICS, NON-PROFIT ORGANIZATIONS AND RELATED BUSINESSES TO EACH OTHER; ON-LINE PROFESSIONAL NETWORKING SERVICES, namely, FACILITATION OF CONNECTIONS AMONG GOVERNMENTS, ACADEMICS, NON-PROFIT ORGANIZATIONS AND BUSINESS TO EACH OTHER; ADVERTISING SERVICES FOR OTHERS THROUGH MEANS OF WIRELESS NETWORKS, MOBILE TELECOMMUNICATIONS DEVICES OR GLOBAL COMPUTER NETWORKS; PREPARATION OF STATEMENTS OF FINANCIAL ACCOUNTS; MARKETING SERVICES, namely, CONDUCTING CONSUMER TRACKING BEHAVIOR RESEARCH AND CONSUMER TREND ANALYSIS; BUSINESS MANAGEMENT AND ADVISORY SERVICES; MARKETING CONSULTING SERVICES; MARKET RESEARCH SERVICES; BUSINESS INFORMATION SERVICES FEATURING CONSUMER TRACKING, ANALYZING, FORECASTING AND REPORTING OF CARDHOLDER PURCHASING BEHAVIOR; PROMOTING THE SALE OF THE GOODS AND SERVICES OF OTHERS BY MEANS OF INCENTIVE REWARDS PROGRAMS GENERATED IN CONNECTION WITH THE USE OF CREDIT, DEBIT AND PAYMENT CARDS VIA WIRELESS NETWORKS, MOBILE TELECOMMUNICATIONS DEVICES OR GLOBAL COMPUTER NETWORKS; PROMOTING THE SALE OF THE GOODS AND SERVICES OF OTHERS BY MEANS OF INCENTIVE REWARDS PROGRAMS GENERATED IN CONNECTION WITH THE USE OF CREDIT, DEBIT AND PAYMENT CARDS TO PROMOTE ACCESS TO COUPONS, VOUCHERS, VOUCHER CODES AND REBATES AT RETAILERS; ADVERTISING SERVICES FOR OTHERS THROUGH MEANS OF WIRELESS NETWORKS, MOBILE TELECOMMUNICATIONS DEVICES OR GLOBAL COMPUTER NETWORKS; ADMINISTRATION OF A CUSTOMER LOYALTY PROGRAM TO PROMOTE THE PURCHASE OF THE GOODS AND SERVICES OF OTHERS WHICH PROVIDES REWARDS FOR CREDIT CARD USE; PROMOTING THE SALE OF GOODS AND SERVICES OF OTHERS THROUGH THE ISSUANCE OF REWARDS FOR CREDIT CARD USE; CREDIT CARD REGISTRATION SERVICES; STORED VALUE PREPAID CARD REGISTRATION SERVICES; DEBIT CARD REGISTRATION SERVICES; BILL PRESENTMENT SERVICES; PROMOTION OF GOODS AND SERVICES THROUGH SPONSORSHIP OF SPECIAL EVENTS

FINANCIAL TRANSACTION AUTHENTICATION AND VERIFICATION SERVICES, namely, CREDIT CARD AND DEBIT CARD AUTHENTICATION AND VERIFICATION; MERCHANT BANKING SERVICES, namely, BUNDLING OF SERVICES OF OTHERS TO FACILITATE SMALL BUSINESS OBTAINING A MERCHANT ACCOUNT AT THE SAME TIME, namely, PACKAGING OF BUSINESS CREDIT AND DEBIT CARD OFFERINGS OF OTHERS WITH MERCHANT ACCOUNTS OF OTHERS TO FACILITATE SMALL BUSINESS ACCEPTANCE OF PAYMENT CARDS; MANAGING AND ANALYSIS OF FINANCIAL ACCOUNTS VIA A GLOBAL COMPUTER NETWORK, namely, FINANCIAL ADMINISTRATION OF CREDIT AND DEBIT CARD ACCOUNTS AND FINANCIAL ANALYSIS SERVICES; FINANCIAL SERVICES, namely, ISSUANCE OF CREDIT CARDS AND DEBIT CARDS; BILL PAYMENT SERVICES; PAYMENT CARD SERVICES, namely, CREDIT, DEBIT, AND CASH CARD PAYMENT PROCESSING SERVICES; BANKING SERVICES; PROVIDING STUDENT LOANS; STUDENT LOAN SERVICES; ONLINE BANKING; HOME EQUITY LOAN SERVICES; ARRANGING OF LOANS; CONSUMER LENDING SERVICES; FINANCING AND LOAN SERVICES; CHECKING ACCOUNT SERVICES; SAVINGS ACCOUNT SERVICES; CERTIFICATE OF DEPOSIT SERVICES; PROVIDING A PAYMENT NETWORK, namely, PROVIDING ELECTRONIC PROCESSING OF CREDIT CARD, DEBIT CARD AND STORED VALUE PREPAID CARD TRANSACTIONS AND ELECTRONIC PAYMENTS AND TRANSFER OF FUNDS VIA A GLOBAL COMPUTER PAYMENT NETWORK; PROVIDING A DEBIT CARD PAYMENT NETWORK, namely, PROVIDING ELECTRONIC PROCESSING OF CREDIT CARD, DEBIT CARD AND STORED VALUE PREPAID CARD TRANSACTIONS AND ELECTRONIC PAYMENTS AND TRANSFER OF FUNDS VIA A GLOBAL COMPUTER PAYMENT NETWORK; CREDIT CARD SERVICES, namely, ISSUING OF CREDIT CARDS AND PROCESSING OF CREDIT CARD PAYMENTS AND TRANSACTIONS; CREDIT CARD VERIFICATION SERVICES, CREDIT CARD AUTHENTICATION SERVICES AND CREDIT CARD FACTORING SERVICES AND CASH AND REBATE SERVICES FOR CREDIT CARD USE AS PART OF A CUSTOMER LOYALTY PROGRAM; PREPAID CARD SERVICES OFFERED THROUGH CARDS WITH STORED VALUE, namely, ISSUING OF PREPAID CARDS WITH STORED VALUE AND PROCESSING OF STORED VALUE PREPAID CARD PAYMENTS AND TRANSACTIONS, PREPAID CARD VERIFICATION SERVICES, STORED VALUE PREPAID CARD AUTHORIZATION SERVICES, PREPAID CARD AUTHENTICATION SERVICES; STORED VALUE PREPAID CARD FACTORING SERVICES AND CASH AND REBATE SERVICES FOR STORED VALUE PREPAID CARD USE; DEBIT CARD SERVICES, namely, ISSUING OF DEBIT CARDS AND PROCESSING OF DEBIT CARD PAYMENTS AND TRANSACTIONS, DEBIT CARD VERIFICATION SERVICES, DEBIT CARD AUTHENTICATION SERVICES; DEBIT CARD FACTORING SERVICES, CASH AND REBATE SERVICES FOR DEBIT CARD USE AS PART OF A CUSTOMER LOYALTY PROGRAM; CASH DISBURSEMENT THROUGH USE OF AUTOMATIC TELLER MACHINES (ATM) AND CASH REPLACEMENT SERVICES RENDERED BY CREDIT CARD; POINT OF SALE AND POINT OF TRANSACTION SERVICES, namely, ELECTRONIC CASH, CREDIT CARD, AND DEBIT CARD TRANSACTIONS; FACILITATING PERSON-TO-PERSON ELECTRONIC MEANS VIA A GLOBAL COMPUTER NETWORK, namely, CREDIT CARD, DEBIT CARD, AND STORED VALUE PREPAID CARD PAYMENT PROCESSING SERVICES THROUGH ELECTRONIC MEANS VIA A GLOBAL COMPUTER NETWORK; CREDIT RISK MANAGEMENT SERVICES; CONSUMER LENDING SERVICES; ADMINISTRATION OF SAVINGS ACCOUNTS; ATM BANKING SERVICES; CHARGE CARD AND CREDIT CARD PAYMENT PROCESSING SERVICES; CHECK PROCESSING; CONSUMER CLEARING AND RECONCILING FINANCIAL TRANSACTIONS VIA A GLOBAL COMPUTER NETWORK; DEBT COLLECTION SERVICES; CREDIT AND CASH CARD PAYMENT PROCESSING SERVICES; CREDIT CARD AUTHORIZATION SERVICES; CREDIT RECOVERY AND COLLECTION; DEBT RECOVERY SERVICES; DEBT SETTLEMENT SERVICES; ELECTRONIC BANKING VIA A GLOBAL COMPUTER NETWORK; INTERNET BANKING; ELECTRONIC LOAN ORIGINATION SERVICES; ELECTRONIC LOAN PREPARATION SERVICES; ELECTRONIC TRANSFER OF MONEY; ELECTRONIC TRANSFER OF FUNDS; EVALUATION OF CREDIT BUREAU DATA; FINANCIAL ANALYSIS; LOYALTY PROGRAM PAYMENT PROCESSING SERVICES; ONLINE BANKING; PROCESSING OF CONTACTLESS CREDIT AND DEBIT CARD PAYMENTS; PROCESSING OF CREDIT CARD PAYMENTS; PROCESSING OF DEBIT CARD PAYMENTS; PROVIDING A WEBSITE FEATURING COLLEGE INFORMATION IN THE NATURE OF FINANCIAL AID AND FINANCING INFORMATION FOR COLLEGE STUDENTS; PROVIDING A WEBSITE PROVIDING FINANCIAL INFORMATION; PROVIDING ELECTRONIC PROCESSING OF ELECTRONIC FUNDS TRANSFER, ACH, CREDIT CARD, DEBIT CARD AND ELECTRONIC CHECK AND ELECTRONIC PAYMENTS; CASH DISBURSEMENT AND CASH REPLACEMENT SERVICES RENDERED BY CREDIT CARD; ELECTRONIC CASH TRANSACTIONS; CHECK VERIFICATION SERVICES; CHECK CASHING SERVICES; OFFERING CASH REWARDS FOR USE OF BANKING SERVICES AS PART OF A CUSTOMER LOYALTY PROGRAM; TRANSACTION AUTHORIZATION AND SETTLEMENT SERVICES; ELECTRONIC FUNDS TRANSFER; PROVIDING FINANCIAL INFORMATION; PROVIDING FINANCIAL INFORMATION, namely, PROVIDING FINANCIAL DATA INFORMATION AND FINANCIAL REPORTING ON CREDIT AND DEBIT CARD USAGE; CREDIT MANAGEMENT SERVICES, namely, CREDIT CONSULTATION, CREDIT SCORING SERVICES, CREDIT RISK MANAGEMENT; DISSEMINATION OF FINANCIAL INFORMATION VIA A GLOBAL COMPUTER NETWORK; OFFERING CASH REWARDS FOR USE OF BANKING, CREDIT CARD, AND DEBIT CARD SERVICES AS PART OF A CUSTOMER LOYALTY PROGRAM; CASH INCENTIVE PROGRAMS FOR CREDIT CARD USERS, namely, CASH AND OTHER REBATES FOR CREDIT CARD USE AS PART OF A CUSTOMER LOYALTY PROGRAM; PROVIDING CASH AND OTHER REBATES FOR CREDIT CARD USE AS PART OF A CUSTOMER LOYALTY PROGRAM; PROVIDING PERSONAL LOANS AND LINES OF CREDIT; INDIVIDUAL RETIREMENT ACCOUNT SERVICES; GIFT CARD TRANSACTION PROCESSING SERVICES; ELECTRONIC REMOTE CHECK DEPOSIT SERVICES; FRAUD REIMBURSEMENT SERVICES IN THE FIELD OF CREDIT CARD PURCHASES; VEHICLE LOANS; MONEY TRANSFER; ONLINE BANKING SERVICES ACCESSIBLE BY MEANS OF DOWNLOADABLE MOBILE APPLICATIONS; PAYMENT AND FUNDS VERIFICATION SERVICES; PROVIDING A WEBSITE FEATURING PERSONAL FINANCIAL INFORMATION AND FINANCIAL ADVICE; PROVIDING AN INTERNET WEBSITE PORTAL IN THE FIELD OF FINANCIAL TRANSACTION AND PAYMENT PROCESSING SERVICES; PROVIDING EQUITY LINES OF CREDIT; BUSINESS CREDIT REPORTING SERVICES; BUSINESS CREDIT VERIFICATION SERVICES; CHARITABLE FOUNDATION SERVICES, PROVIDING FINANCIAL ASSISTANCE FOR PROGRAMS AND SERVICES OF OTHERS; CHARITABLE FUNDRAISING SERVICES; CHECK ACCEPTANCE SERVICES; CHECK RECOVERY SERVICES; COLLEGE CONSULTING SERVICES, ASSISTING STUDENTS IN APPLYING FOR SCHOLARSHIPS AND FINANCIAL AID; COMMERCIAL LENDING SERVICE; CREDIT CONSULTATION; CREDIT COUNSELING SERVICES; DEBIT ACCOUNT SERVICES FEATURING COMPUTER READABLE DEBIT CARD; DEBT MANAGEMENT SERVICES; ELECTRONIC CHECK ACCEPTANCE; ELECTRONIC COMMERCE PAYMENT SERVICES, namely, ESTABLISHING FUNDED ACCOUNTS USED TO PURCHASE GOODS AND SERVICES ON THE INTERNET; ELECTRONIC PAYMENT SERVICES INVOLVING ELECTRONIC PROCESSING AND SUBSEQUENT TRANSMISSION OF BILL PAYMENT DATA; EVALUATION OF CREDIT WORTHINESS OF INDIVIDUALS AND BUSINESSES; FACILITATING AND ARRANGING FOR THE FINANCING OF LOANS; INVESTMENT FUND TRANSFER AND TRANSACTION SERVICES; MONEY LENDING; PROVIDING ON-LINE STORED VALUE ACCOUNTS IN AN ELECTRONIC ENVIRONMENT; ADMINISTRATION OF TRANSACTIONS INVOLVING FUNDS DRAWN FROM SECURITIES, STOCKS, FUNDS, EQUITIES, BONDS, CASH, OR OTHER TYPES OF FINANCIAL INVESTMENTS IN RETIREMENT PLANS USING A CREDIT OR DEBIT CARD OVER A GLOBAL DATA NETWORK; FUNDING ONLINE CASH ACCOUNTS FROM PREPAID CASH CARDS, BANK ACCOUNTS AND CREDIT CARD ACCOUNTS; MERCHANT BANKING SERVICES; PROCESSING OF SIGNATURE DEBIT ELECTRONIC TRANSACTIONS; PROVIDING AN INTERACTIVE WEBSITE FEATURING ADVICE AND INFORMATION IN THE FIELD OF COLLEGIATE SCHOLARSHIPS; PROVIDING HOME EQUITY LINES OF CREDIT; PROVIDING ON-LINE FINANCIAL CALCULATORS; PROVIDING STUDENT LOAN INFORMATION; REAL ESTATE FINANCING SERVICES; PROPRIETARY CREDIT CARD SERVICES, namely, ISSUANCE OF CREDIT CARDS, CREDIT CARD FACTORING SERVICES, CREDIT CARD VERIFICATION AND AUTHENTICATION SERVICES; STORED VALUE PREPAID PURCHASE CARD SERVICES OFFERED THROUGH CARDS WITH STORED VALUE, namely, ISSUANCE AND PROCESSING OF PREPAID CARDS; ELECTRONIC CREDIT AND DEBIT CARD TRANSACTION PROCESSING SERVICE; POINT OF SALE AND POINT OF TRANSACTION SERVICES, namely, PROCESSING OF POINT OF SALE AND POINT OF TRANSACTION PAYMENTS; ELECTRONIC PAYMENT PROCESSING SERVICES RELATED TO ELECTRONIC PAYMENTS MADE THROUGH CREDIT, DEBIT, AND PREPAID CARDS; PROVIDING HOME EQUITY LINES OF CREDIT; CREDIT CARD AND PAYMENT TRANSACTION AUTHENTICATION AND VERIFICATION SERVICES; BILL PAYMENT SERVICES; FACILITATING CREDIT CARD, DEBIT CARD, AND STORED VALUE PREPAID CARD PAYMENT SERVICES THROUGH ELECTRONIC MEANS VIA A GLOBAL COMPUTER NETWORK; ELECTRONIC FUNDS TRANSFER SERVICES; PROVIDING FINANCIAL INFORMATION, namely, PROVIDING FINANCIAL INFORMATION REGARDING CREDIT AND DEBIT CARD DATA AND REPORTS; PROVIDING PERSONAL LOANS; CASH INCENTIVES PROGRAM, namely, OFFERING CASH REWARDS AND OTHER REBATES FOR CREDIT CARD USERS FOR USE OF CREDIT CARD SERVICES AS PART OF A CUSTOMER LOYALTY PROGRAM; MORTGAGE LENDING SERVICES; ADVISORY SERVICES REGARDING ALL THE FOREGOING SERVICES; PROVIDING ALERTS AS TO ANY ACTIVITY AND CHANGES OF CONSUMER FINANCIAL TRANSACTIONS, namely, ONLINE BANKING SERVICES FEATURING ELECTRONIC ALERTS THAT ALERT CREDIT CARD, DEBIT CARD, AND PREPAID CARD USERS OF ANY ACTIVITY AND CHANGES OF CONSUMER FINANCIAL TRANSACTIONS