Charge cards, credit cards, chip cards, electronic data carrier cards, and payment cards; magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; cards encoded with security features for authentication purposes

Promoting the use of credit cards through the administration of incentive benefits, privileges, consumer loyalty programs, and the offering of exclusive programs and promotions to cardmembers

Issuance of credit cards; credit card services, namely, credit card verification, financial administration of credit card accounts, and processing of credit card annual fees, transactions, payments, and merchant refunds

Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered to cardmembers