WHEN YOU MAKE A PAYMENT, WE DO TOO

INCENTIVE PROGRAMS FOR CREDIT CARD USERS, NAMELY, PROMOTING THE SALE OF CREDIT CARD ACCOUNTS THROUGH THE ADMINISTRATION OF INCENTIVE AWARD PROGRAMS

CREDIT CARD SERVICES; CASH INCENTIVE PROGRAMS FOR CREDIT CARD USERS, NAMELY, PROVIDING CASH AND OTHER REBATES FOR CREDIT CARD USE AS PART OF AS A CUSTOMER LOYALTY PROGRAM