VIRTUOSO

customer loyalty services and customer club services, for commercial, promotional and/or advertising purpose; administration of discount program for enabling participants to obtain discounts on goods and services through use of a discount membership card, incentive award programs to promote the sale of products and services of others; Merchandising services for inducing the purchasing public to by the goods of others through a promotional token and voucher redemption program

insurance services; credit card, debit card, charge card and cash card services; issuance of credit cards, debit cards, charge cards, store cards and cash cards; prepaid purchase card services, namely processing electronic payments through pre-paid cards; electronic processing of insurance claims and payment data; installment loans