Financial services, namely, automatically verifying eligibility, adjudicating claims, processing payment, transferring funds, and updating records of employee expenditures, all via communications networks, using encoded smart cards operating in conjunction with electronically-stored, voluntary employee savings and defined contribution plan accounts; employee benefits services, namely, providing employee benefits and benefit management services to third party administrators and employers, namely, providing program development and aiding administration of voluntary employee savings and defined contribution plans for others; and providing educational information in the field of employee benefits, specifically to patients, employees, and employers in the area of employee benefits involving voluntary employee savings and defined contribution plans and services

Computer services, namely, providing temporary use of online, non-downloadable software that permits employers and third party administrators to substantiate and administer employee benefits program transactions involving electronically encoded smart cards operating in conjunction with voluntary employee savings and defined contribution plan accounts, and allows employees, employers and third party administrators to access employee benefits program services involving voluntary employee saving and defined contribution plans