Downloadable software allowing users to search, identify, and redeem loyalty reward offers; magnetically encoded debit cards, credit cards, and prepaid credit cards

Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes; providing incentive award programs for customers through issuance and processing of loyalty points for on-line purchase of a company's goods and services for the purpose of promoting and rewarding loyalty

Financial services, namely, electronic transfer of funds in the nature of direct deposit of funds; bill payment services; checking and savings account services; checking account overdraft services; financial services, namely, electronic remote check deposit services; virtual debit and credit card transaction processing services; electronic transfer of funds in the nature of loading of funds on pre-paid cards; ATM banking services; electronic money transfer; wire transfer services for domestic and international transfers, namely, money wiring services; credit and debit card issuance, authorization, transaction processing, and payment processing, services; pre-paid credit card issuance, authorization, transaction processing, and payment processing, services; providing personal loans and lines of consumer credit; consumer mortgage lending, consumer mortgage loan financing and loan financing services; home equity loans; financial investment account administration; financial services, namely, wealth management services; loyalty program payment processing services