Customer loyalty services for commercial, promotional and/or advertising purposes; administration of a customer loyalty program for enabling participants to obtain discounts or other benefits on goods or services through use of a membership card

Financial services, namely, clearing house services, banking, credit inquiry and consultation, credit recovery and collection, currency exchange and advice, electronic funds transfer; electronic payment, namely, electronic processing and transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties, money order services, check processing, electronic check re-presentment services, issuance of travelers' checks, check verification, bill payment services; financial agency services for all of the foregoing

Communications services, namely, electronic transmission of voice and data for financial transactions