Administration of credit card and multi-lender loyalty programs, namely, programs that allow businesses to offer payments and/or rewards to customers; marketing and data analytics services regarding credit card and merchant customer performance, namely, providing marketing information relating to credit cards and marketing data and programs and consumer research and reports; Billing

Financial services, namely, credit card services in the nature of processing or credit card payments and issuing of credit cards, including private label credit cards and credit cards that serve as both private label credit cards and general purpose credit cards; Electronic credit card transaction processing; Point of sale and point of transaction services, namely, credit application processing in the nature of evaluating credit worthiness of companies and private individuals and issuing credit cards, payment transaction processing services and credit card authorization services; Facilitating credit card services through electronic means and mobile devices, namely, processing of credit card applications in the nature of evaluating credit worthiness of companies and private individuals, credit card authorization services, credit card payment services and financial account management services; Promotional financing services for purchases including through the use of private label, multi-purpose and general purpose credit cards and installment loans; Line of credit loans; Banking services, including retail and consumer deposit account services, certificates of deposit, money mark accounts, direct and mobile banking services, savings accounts and brokered deposits, IRAs, small business deposit accounts, checking, overdraft protection, debit, credit and ATM cards; Providing financial information, financing for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision and audiology procedures or services; Providing services for processing credit card transactions for merchants, namely, processing of credit card applications in the nature of evaluating credit worthiness of companies and private individuals, credit card authorization services, credit card payment services and financial account management services