JPMORGAN CHASE BANK, N.A.

Class 036: Banking; Financial advisory services; Financial consultancy; Investment management; Financial services, namely, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Electronic funds transfer; Financial management; Cash management; Financial asset management; Financial portfolio management; Venture capital fund management; Management of a capital investment fund; Foreign exchange transactions; Electronic foreign exchange payment processing; Financial services, namely, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Payment processing services in the field of international payments; Incubation services, namely, providing financing to freelancers, start-ups, existing businesses and non-profits; Securities brokerage; Commodity brokerage; Annuity brokerage services; Securities and commodities brokerage; Securities lending; Real estate lending services; Mortgage lending; Mortgage banking; Financial services, namely, wealth management services

Class 036: Banking; Financial advisory services; Financial consultancy; Investment management; Financial services, namely, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Electronic funds transfer; Financial management; Cash management; Financial asset management; Financial portfolio management; Venture capital fund management; Management of a capital investment fund; Foreign exchange transactions; Electronic foreign exchange payment processing; Financial services, namely, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Payment processing services in the field of international payments; Incubation services, namely, providing financing to freelancers, start-ups, existing businesses and non-profits; Securities brokerage; Commodity brokerage; Annuity brokerage services; Securities and commodities brokerage; Securities lending; Real estate lending services; Mortgage lending; Mortgage banking; Financial services, namely, wealth management services

Class 009: Downloadable written articles in the fields of business and financial activity and trends, economics, energy, government policy, politics, and technology; Class 035: providing a website featuring information about business, economics, energy, government policy, political issues, and technology; providing information about business, economics, energy, government policy, political issues, and technology via social media websites and social media mobile applications; Class 036: Providing a website featuring information about investments and investing, wealth management, financial matters, financial activity, and financial trends; providing information about investments and investing, wealth management, financial matters, financial activity, and financial trends via social media websites and social media mobile applications; Class 041: Entertainment services, namely providing podcasts in the fields of business and financial activity and trends, economics, energy, government policy, politics, and technology

Class 035: 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; Class 036: 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; Class 045: Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered to cardmembers

Class 035: 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; Class 036: 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; Class 045: Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered to cardmembers

Class 035: 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; Class 036: 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; Class 045: Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered to cardmembers

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Providing information to families of wealth in the field of finance, namely, providing education, insights, advice, research, and educational materials related to family wealth management, wealth planning, trusts and estates planning, retirement planning, philanthropic planning, lifestyle financial planning, family engagement and governance, life events, business succession, and financial learning frameworks for families; Conducting and sharing proprietary finance-related research with families of wealth in the field of family wealth planning dynamics, engagement and governance; Providing information, insights, advice, research, and educational materials in the field of family wealth; Providing information and insights related to financial literacy for high net worth and ultra-high net worth families; Providing financial education support information services to high net worth and ultra-high net worth families related to business succession, generational wealth transfer and preservation

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 036: Financial and investment services, namely, providing for the systematic transfer of excess funds to and from higher-yield investment products

Class 009: Downloadable webinars in the field of financial payment services; Class 035: Providing a website through which businesses can review information and strategies related to financial payment services; Class 036: Financial services, namely, financial payment services; Class 038: Electronic transmission and streaming of digital media content for others via global and local computer networks in the field of financial payment services; Class 041: Educational Services, namely, conducting payment industry events and educational programs; online publications in the field of financial payment services; Class 042: Software as a service (SAAS) services, namely, hosting software for use by others for for financial payment processing and analytic services; Platform as a service (PAAS) services, namely, hosting software platforms for use by others for financial payment processing and analytic services

Class 009: Magnetically encoded credit cards; Class 035: Tracking, comparing and monitoring employee expenses for others for cost accounting purposes; Class 036: Banking and related financial services, namely credit card transaction processing services and credit card transaction processing services; Class 042: Software as a service (SAAS) provider featuring software for monitoring and summarizing expenses and spending

Class 009: Downloadable software for point of sale use for processing and management of payments and receipts, retail inventory management, and website design for brick and mortar and e-commerce merchants; downloadable software for patient and customer billing, payment processing and management, and appointment scheduling software for healthcare providers and other service providers; electronic mobile devices in the nature of multi-functional electronic payment terminals and point-of-sale terminals for reading credit and debit cards, conducting financial transactions, recording financial transactions, reporting financial transactions, and generating email or printed receipts; downloadable software for use as a digital wallet; downloadable software for storing and managing payment credentials and facilitating electronic payments; Class 036: Financial affairs and monetary affairs, namely, financial information, management and analysis services; banking services; banking services, namely, credit and debit card payment transaction processing services for merchants, restaurants, health care providers and other service providers; insurance brokerage services; real estate affairs, namely, real estate brokerage, real estate valuations, real estate investment services; financial transaction and payment services, namely, exchanging money, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, issuance of travelers' cheques, financial management; and financial research; digital wallet services, namely processing of electronic wallet payments, processing of electronic funds transfer and payments via electronic wallets; electronic wallet services, namely, processing of electronic wallet payments, bill payment services provided via an electronic wallet; providing electronic processing of payments via digital wallets; Class 042: Software as a service (SAAS) services featuring software for point of sale use for processing and management of payments and receipts, retail inventory management, and website design for brick and mortar and e-commerce merchants; software as a service (SAAS) services featuring software for patient or customer billing, payment processing and management, and appointment scheduling for healthcare providers and other service providers; software as a service (SAAS) featuring software for use as a digital wallet

Class 009: 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; Class 035: 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; Class 036: 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; Class 045: Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered to cardmembers

Class 036: Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions via a global computer network and wireless networks; digitized financial assets and fund vehicles, namely, investment fund vehicles and digital representations of equities, fixed income, cash, and derivatives; payment processing services, namely, providing electronic transfer of virtual currency processing services for others; financial services, namely, providing financial exchange services for stablecoin currency, virtual currency, digital currency, digitized financial assets, and cryptocurrency for use by others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized financial assets; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions, financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and permitting account holders to make payment requests, financial services, namely, electronic payment services for electronic processing of payroll payments; merchant services, namely, payment transaction processing services; Class 042: Providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling investor and transactional information; providing temporary use of online non-downloadable software for processing electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized financial assets; providing temporary use of online non-downloadable software for processing digital currency payments and exchange transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized financial assets; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized financial assets, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use with digital currency wallet and storage services; providing temporary use of online nondownloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions

Class 042: Providing a website featuring non-downloadable software using artificial intelligence (AI) for searching and making reservations and bookings for temporary lodging and accommodations, restaurants and meals, hotels, and tours and visits to local attractions; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for engaging in conversations for purposes of providing assistance and advice regarding travel planning, and for providing servicing support for existing booked travel components, namely, making, changing, or updating travel itineraries; Providing temporary use of on-line non-downloadable software for performing agentic tasks; Providing temporary use of on-line non-downloadable software and applications using artificial intelligence (AI) for analyzing and taking actions in response to content in the form of text, audio, or images, accessible via a website, mobile application, and social media platforms; Providing temporary use of on-line non-downloadable software for facilitating multi-modal natural language, speech, text, image, video, and sound input; Providing temporary use of on-line non-downloadable software and applications using artificial intelligence (AI) for simulating conversations, analyzing images, summarizing text, creating content, suggesting trip itineraries, and managing travel plans, reservations, and bookings; Providing a website featuring non-downloadable software using artificial intelligence (AI) for multi-modal communication, including interactive forms, chatbots, conversational agents, voice assistants, and other automated technologies designed to assist users in searching, planning, and making travel arrangements; Providing temporary use of on-line non-downloadable software for use in providing a virtual assistant which enables natural language understanding, machine learning, and artificial intelligence capable of multi-modal interaction with a user; Providing on-line non-downloadable software using artificial intelligence (AI) for travel agency services, namely, searching and making reservations and bookings for temporary lodging and accommodations, restaurants and meals, hotels, and tours and visits to local attractions

Class 036: Providing financial information via a website, namely, providing online credit scoring and financial health services for businesses, namely, credit health evaluation services providing business entities’ credit scores, information about business credit reports, and education regarding how establishing a business credit profile can affect possible future financial outcomes

Class 036: Providing financial information via a website, namely, providing online credit scoring and financial health services for businesses, namely, credit health evaluation services providing business entities’ credit scores, information about business credit reports, and education regarding how establishing a business credit profile can affect possible future financial outcomes

Class 036: Providing trading, exchange, transfer, and payment services for digital assets, namely, virtual currency, digital currency, digital tokens, payment tokens, decentralized application tokens, and blockchain enabled currency; Issuance of digital assets, namely, virtual currency, digital currency, digital tokens, payment tokens, decentralized application tokens, and blockchain enabled currency; Payment processing services in the field of digital assets, namely, virtual currency, digital currency, digital tokens, payment tokens, decentralized application tokens, and blockchain enabled currency; Electronic funds transfer services; Electronic funds transfer, namely, electronic transmission of digital currency via electronic communications networks and electronic devices; Electronic transmission of data, namely, digital currency via electronic communication networks and electronic devices; Digital currency trading and exchange services; Currency trading, exchange, and transfer services via distributed ledger technology; Issuance and redemption of digital currency for currency; Electronic financial trading services; Digital asset trading services; Financial securities exchange services; Securities debt settlement services using distributed ledger technology; Securities brokerage services using distributed ledger technology; Financial exchange of digital assets; On-line real-time currency trading; On-line real-time digital token trading; Electronic payment processing services via distributed ledger technology; Financial services, namely, providing electronic transfer of a digital assets for use by members of an online community via a global computer network; Payment and funds verification services; Financial transaction processing services, namely, clearing and reconciling financial transactions via computer and communication networks; Providing an internet website featuring information in the fields of finance, financial transactions, digital financial assets, and currency exchange services; Financial exchange services, namely, providing a financial exchange for trading currency, digital currency, payment tokens, and digital tokens; Financial exchange services, namely, a financial futures exchange for trading currency including digital currency; Financial services, namely, facilitating the deposit, holding, and withdrawal of electronic funds; Clearing and reconciling financial transactions; Financial transactions services, namely, electronic transfer and exchange of digital assets, digital tokens, payment tokens, and digital currency via blockchain; Financial brokerage services for digital asset trading; Financial management of assets via distributed ledger technology; Financial custody services, namely, maintaining possession of financial assets for others for financial management purposes; Financial services, namely, debt settlement; Financial services, namely, providing on-line stored value accounts in an electronic environment; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial investment services, namely, brokerage services on securities exchanges and over-the-counter markets using distributed ledger technology; Providing financial information, namely, account data sharing, payment information sharing, check information sharing, account validation information, currency conversion information, cross-border payment information, fraud data, fraud identification information, federated learning information, and federated intelligence information all via distributed ledger technology; Banking and financial services

Class 009: Downloadable computer software for use in analyzing the performance of fixed income securities portfolios and for providing information about fixed income securities portfolios; Class 042: Non-downloadable software for use in analyzing the performance of fixed income securities portfolios and for providing information about fixed income securities portfolios

Class 036: Financial affairs and monetary affairs, namely, financial information, management and analysis services; Financial advisory services rendered using artificial intelligence (AI); Information, advisory, consultancy and financial research services relating to finance and investments; Investment advisory services; Financial analysis and consultation; Investment consultation in the fields of securities investing and asset management; Providing financial services with respect to securities and other financial instruments and products, namely, trading of and investments in securities and financial instruments and products for others; Financial information provided by electronic means; Providing information and research in the field of finance and financial investments; Financial data analysis; Financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; Class 042: Providing on-line non-downloadable software using artificial intelligence (AI) for use in asset management; Providing temporary use of online non-downloadable chatbot software using artificial intelligence (AI) for investment portfolio management; Providing temporary use of on-line non-downloadable cloud computing software using artificial intelligence (AI) for use in selecting financial securities and financial assets; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence (AI) for investment insights, portfolio management, and trading; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence (AI) for analyzing data and interacting with humans; Platform as a service (PAAS) featuring computer software platforms for use of artificial intelligence for natural language processing using generative pre-trained transformer (GPT) models in the field of financial services; Platform as a service (PAAS) featuring computer software platforms for analyzing and selecting securities tailored to customer; Platform as a service (PAAS) featuring computer software platforms for use in financial and monetary affairs; Platform as a service (PAAS) featuring computer software platforms for financial information, advisory, analysis, consultancy, research, and management; Platform as a service (PAAS) featuring computer software platforms for for asset and portfolio management; Platform as a service (PAAS) featuring computer software platforms for investment and securities trading; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for financial and monetary affairs; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for use in financial information, advisory, analysis, consultancy, research, and management; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for asset and portfolio management

Providing trading, exchange, transfer, and payment services for digital assets, namely, virtual currency, digital currency, digital tokens, payment tokens, decentralized application tokens, and blockchain enabled currency; Issuance of digital assets, namely, virtual currency, digital currency, digital tokens, payment tokens, decentralized application tokens, and blockchain enabled currency; Payment processing services in the field of digital assets, namely, virtual currency, digital currency, digital tokens, payment tokens, decentralized application tokens, and blockchain enabled currency; Electronic funds transfer services; Electronic funds transfer, namely, electronic transmission of digital currency via electronic communications networks and electronic devices; Electronic transmission of data, namely, digital currency via electronic communication networks and electronic devices; Digital currency trading and exchange services; Currency trading, exchange, and transfer services via distributed ledger technology; Issuance and redemption of digital currency for currency; Electronic financial trading services; Digital asset trading services; Financial securities exchange services; Securities debt settlement services using distributed ledger technology; Securities brokerage services using distributed ledger technology; Financial exchange of digital assets; On-line real-time currency trading; On-line real-time digital token trading; Electronic payment processing services via distributed ledger technology; Financial services, namely, providing electronic transfer of a digital assets for use by members of an online community via a global computer network; Payment and funds verification services; Financial transaction processing services, namely, clearing and reconciling financial transactions via computer and communication networks; Providing an internet website featuring information in the fields of finance, financial transactions, digital financial assets, and currency exchange services; Financial exchange services, namely, providing a financial exchange for trading currency, digital currency, payment tokens, and digital tokens; Financial exchange services, namely, a financial futures exchange for trading currency including digital currency; Financial services, namely, facilitating the deposit, holding, and withdrawal of electronic funds; Clearing and reconciling financial transactions; Financial transactions services, namely, electronic transfer and exchange of digital assets, digital tokens, payment tokens, and digital currency via blockchain; Financial brokerage services for digital asset trading; Financial management of assets via distributed ledger technology; Financial custody services, namely, maintaining possession of financial assets for others for financial management purposes; Financial services, namely, debt settlement; Financial services, namely, providing on-line stored value accounts in an electronic environment; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial investment services, namely, brokerage services on securities exchanges and over-the-counter markets using distributed ledger technology; Providing financial information, namely, account data sharing, payment information sharing, check information sharing, account validation information, currency conversion information, cross-border payment information, fraud data, fraud identification information, federated learning information, and federated intelligence information all via distributed ledger technology; Banking and financial services

Class 039: Airport services, namely, transit lounge facilities for elite passenger relaxation featuring access to the Internet provided by others; providing transit lounge facilities for elite passenger relaxation featuring enhanced and expedited customer service responses for elite passengers; booking and arranging of access to airport lounges for elite passengers; airport services, namely, transit lounge facilities for elite passenger relaxation and also including shower facilities; all the foregoing provided to credit card members; Class 043: Airport services, namely, transit lounge facilities being airport lounges for elite passenger relaxation featuring access to the Internet provided by others; providing transit lounge facilities being airport lounges for elite passenger relaxation featuring enhanced and expedited customer service responses for elite passengers provided to credit card members; booking and arranging of access to airport lounges for elite passengers; Airport services, namely, transit lounge facilities being airport lounges for elite passenger relaxation and also including shower facilities; all the foregoing provided to credit card members; Providing premium food and beverage services for elite air travelers in transit lounges; providing bar and cocktail lounges also featuring related amenities being temporary accommodations in the nature of conference rooms, shower facilities, and work stations for relaxation to elite air travelers in transit lounges; and providing conference and meeting room facilities for elite air travelers in transit lounges and airport terminals; all the foregoing provided to credit card members; Class 045: Concierge services for elite members comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs for elite members rendered together in an airport lounge; all the foregoing provided to credit card members

Credit card payment processing services; Credit card transaction processing services; No claim is made to the exclusive right to use "BUSINESS", apart from the mark as shown.

Credit card payment processing services; Credit card transaction processing services; No claim is made to the exclusive right to use "BUSINESS", apart from the mark as shown.

Credit card payment processing services; Credit card transaction processing services; No claim is made to the exclusive right to use "BUSINESS", apart from the mark as shown.

Entertainment in the nature of bowling tournaments and league competitions; Organization of bowling tournaments and bowling league competitions; Providing a web site through which people locate information about bowling tournaments, bowling events, and bowling league participation; Providing information on bowling tournaments and bowling leagues; Clothing, namely, t-shirts, shirts

Class 039: Airport services, namely, transit lounge facilities for elite passenger relaxation featuring access to the Internet provided by others; providing transit lounge facilities for elite passenger relaxation featuring enhanced and expedited customer service responses for elite passengers; airport services, namely, transit lounge facilities for elite passenger relaxation and also including shower facilities; booking and arranging of access to airport lounges for elite passengers; all the foregoing provided to credit card members; Class 043: Providing premium food and beverage services for elite air travelers in transit lounges; providing bar and cocktail lounges also featuring related amenities being temporary accommodations in the nature of conference rooms, shower facilities, and work stations for relaxation to elite air travelers in transit lounges; and providing conference and meeting room facilities for elite air travelers in transit lounges and airport terminals; all the foregoing provided to credit card members; Class 045: Concierge services for elite members comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs for elite members rendered together in an airport lounge; all the foregoing provided to credit card members

Class 039: Airport services, namely, transit lounge facilities for elite passenger relaxation featuring access to the Internet provided by others; providing transit lounge facilities for elite passenger relaxation featuring enhanced and expedited customer service responses for elite passengers; airport services, namely, transit lounge facilities for elite passenger relaxation and also including shower facilities; booking and arranging of access to airport lounges for elite passengers; all the foregoing provided to credit card members; Class 043: Providing premium food and beverage services for elite air travelers in transit lounges; providing bar and cocktail lounges also featuring related amenities being temporary accommodations in the nature of conference rooms, shower facilities, and work stations for relaxation to elite air travelers in transit lounges; and providing conference and meeting room facilities for elite air travelers in transit lounges and airport terminals; all the foregoing provided to credit card members; Class 045: Concierge services for elite members comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs for elite members rendered together in an airport lounge; all the foregoing provided to credit card members

Downloadable software for submission, automation, exchange, creation, analysis, protection, and facilitation of orders, invoices, debits, discounts, credits, payments, payment instructions, cross-border payments, electronic funds transfers, accounting data entry, price lists, and business documents; downloadable software used to facilitate the reception, submission, management, coding and approval of invoices; downloadable software for workflow coordination and automation of invoices, including planning, procurement and conducting tasks; computer software for business to business e-commerce and services; downloadable software that automates financial, operational and business workflow and processes; global proprietary digital network for the secure exchange of electronic invoices; Financial services, namely, providing electronic bill payment services, electronic payment services involving electronic processing of invoices and subsequent transmission of bill payment data, electronic commerce payment services, namely, clearing and reconciling financial transactions via a global computer network; Platform as a service (PAAS) featuring computer software platforms for submission, automation, exchange, creation, analysis, protection, and facilitation of orders, invoices, debits, discounts, credits, payments, payment instructions, cross-border payments, electronic funds transfers, accounting data entry, price lists, and business documents; Platform as a service (PAAS) to facilitate the reception, submission, management, coding and approval of invoices; Platform as a service (PAAS) for workflow coordination and automation of invoices, including planning, procurement and conducting tasks; Platform as a service (PAAS) for facilitating business to business e-commerce and services; Platform as a service (PAAS) that automates financial, operational and business workflow and processes

Banking and financial services, namely, investment banking services; financial planning and management services; financial and investment advisory services; investment brokerage services; securities brokerage services; financial portfolio management and analysis services; mutual fund consultation, brokerage, and investment services; providing information and advice in the field of financial planning and investments

Warehousing services; Storage of goods; Merchandise packaging for others; Providing transportation information; Providing information in the field of shipping, delivery, and transportation of goods via a website

Warehousing services; Storage of goods; Merchandise packaging for others; Providing transportation information; Providing information in the field of shipping, delivery, and transportation via a website

Class 042: Platform as a service (PAAS) featuring computer software platforms for enabling investment management, fund investment transactions, financial data analysis, and electronic financial trading services; providing temporary use of on-line non-downloadable software to store, manage, track, analyze and report financial portfolio data; platform as a service (PAAS) services featuring computer software platforms for users to perform electronic business management and financial investment transactions and to communicate with other users and to access and exchange business information in the fields of financial investment services and financial portfolio management via a global computer network; platform as a service (PAAS) services featuring computer software platforms for application development for the management and provision of financial investment services and financial portfolio management

Class 042: Platform as a service (PAAS) featuring computer software platforms for enabling investment management, fund investment transactions, financial data analysis, and electronic financial trading services; providing temporary use of on-line non-downloadable software to store, manage, track, analyze and report financial portfolio data; platform as a service (PAAS) services featuring computer software platforms for users to perform electronic business management and financial investment transactions and to communicate with other users and to access and exchange business information in the fields of financial investment services and financial portfolio management via a global computer network; platform as a service (PAAS) services featuring computer software platforms for application development for the management and provision of financial investment services and financial portfolio management

Ticket reservation services for entertainment, sporting and cultural events; Ticket booking for entertainment events for customers; Ticket reservation and booking services for recreational and leisure events, namely, guided tours, sightseeing tours, museums, theater performances, concerts, and other cultural events; Travel agency services, namely, making reservations and bookings for transportation; Airline ticket reservation services; Travel ticket reservation services; Travel ticket reservation services, namely, making reservations and bookings for trains, private air charters, private boat charters, and cruises; Business meeting planning; Personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs; "TRAVEL"; Travel agency services, namely, making reservations and booking for temporary lodging and temporary vacation accommodations

Ticket reservation services for entertainment, sporting and cultural events; Ticket booking for entertainment events for customers; Ticket reservation and booking services for recreational and leisure events, namely, guided tours, sightseeing tours, museums, theater performances, concerts, and other cultural events; Travel agency services, namely, making reservations and bookings for transportation; Airline ticket reservation services; Travel ticket reservation services; Travel ticket reservation services, namely, making reservations and bookings for trains, private air charters, private boat charters, and cruises; Business meeting planning; Personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs; Travel agency services, namely, making reservations and booking for temporary lodging and temporary vacation accommodations

Business information services in the nature of providing podcasts and information on entrepreneurship and small business

Merchant banking services; credit card payment transaction processing services and banking services for small businesses

Merchant banking services; credit card payment transaction processing services and banking services for small businesses

Ticket reservation services, namely, ticket reservation and booking for entertainment events, dining events, sports events, and other cultural, recreational, and leisure events for card members; Travel arrangement services, arranging transport for travelers, making bookings and reservations for transportation of passengers and tourists by land, air, rail, and water; providing travel information services; travel consultancy services; booking of travel tickets by land, water, rail, and air; airport services featuring transit lounge facilities for passenger relaxation; travel itinerary planning services; booking agency services for travel, arranging travel tours; travel ticket reservation services; Credit card services, namely, credit card verification, credit card account administration, and processing of credit card annual fees, transactions, payments, and merchant refunds; 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; Hotel concierge services; personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs; Hotel accommodation services; provision of temporary accommodations, providing information and advice regarding hotel accommodations and restaurants; provision of food and drink at lounges; restaurant reservation services; providing information regarding pre-selected restaurants that offer priority reservations and dining experiential enhancements; making hotel reservations for others

Financial services, namely, acquisition, sale, securitization and servicing of mortgage loans; "INVESTOR PORTAL"

Electrical heat tracing cables

Class 016: Printed materials and publications related to banking and financial services; Class 036: Banking services; banking and financial services, namely, checking and savings account services and debit card transaction processing services; banking and financial services, namely, credit card transaction processing services and credit card payment processing services; banking and financial services, namely, investment banking, management, and advisory services; banking and financial services, namely, financing services and credit and loan services; banking and financial services, namely, merchant and retail banking services; banking and finance al services, namely, automotive, mortgage, home equity, and commercial lending services; banking and financial services, namely, financial transaction and payment services, namely, exchanging money, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; banking and financial services, namely, providing digital currency, virtual currency, cryptocurrency and digital tokens based on blockchain technology for use by members of an on-line community via a global computer network, the foregoing in the nature of the electronic transfer of virtual currencies; banking and financial services, namely, providing financial information in the fields of banking, investment management, wealth management, financial planning, financial asset management, and financial risk management and assessment; financial services, namely, financial management, analysis, and consulting services; banking and financial services, namely, electronic financial trading services; financial services, namely, the trading of financial instruments, securities, shares, options and other derivative products; financial services, namely, electronic transfer of financial assets, namely, investment funds, currencies, stocks, bonds, commodities, cash, cash equivalents, closed end funds, exchange traded funds; banking and financial services, namely, financial investment in exchange-traded funds; banking and financial services, namely, currency exchange services via distributed ledger technology; banking and financial services, namely, financial management of assets via distributed ledger technology; banking and financial services, namely, securities debt settlement services using distributed ledger technology; banking and financial services, namely, securities brokerage services on securities exchanges and over-the-counter markets using distributed ledger technology; banking and financial services, namely, blockchain-based payment infrastructure services, namely, blockchain-based payment verification services; banking and financial services, namely, providing electronic payment processing of funds transferred through global online payment platforms; banking and financial services, namely, electronic transfer of funds and payments for others via website applications and through the internet; banking and financial services, namely, foreign exchange transaction services and electronic foreign exchange payment processing; financial services, namely, providing financial risk management services in the nature of financial risk analysis via financial scenario analysis, data visualization and analysis, financial news and research, and investment analysis, all via a global computer network; Class 042: Providing a website featuring technology in the nature of an online portal that enables users to manage financial accounts, to access financial transaction histories and account information, to manage monetary payments and transfers, and to access fraud monitoring services; Software as a service (SAAS) services featuring software for managing financial investment portfolios; software as a service services (SAAS), offered via a website, featuring software for use in providing banking and financial services, namely, retail banking services, including digital wallet and electronic payment services, credit card services, investment services and lending services; software as a service (SAAS) services, offered via a website, featuring software used by customers to facilitate account transactions, manage accounts and to obtain related financial information and advice; Temporary use of online nondownloadable computer software for use in providing financial services, namely, providing risk management, financial information, financial management, securities trading and investment management services; Platform as a service (PAAS) featuring computer software platforms for use in global payments; platform as a service (PAAS) featuring software platforms enabling customers to send and receive electronic payments; development of personalized and customizable payment platforms in multi currencies and languages, in the nature of online non-downloadable software for others

Class 016: Printed materials and publications, namely, articles, brochures, and newsletters in the field of banking and financial services and corporate responsibility initiatives; Class 042: Providing a website featuring technology in the nature of an online portal that enables users to manage financial accounts, to access financial transaction histories and account information, to manage monetary payments and transfers, and to access fraud monitoring services; Software as a service (SAAS) services featuring software for managing financial investment portfolios; software as a service (SAAS) services, offered via a website, featuring software for use in providing banking and financial services, namely, retail banking services, including digital wallet and electronic payment services, credit card services, investment services and lending services; software as a service (SAAS) services, offered via a website, featuring software used by customers to facilitate account transactions, manage accounts and to obtain related financial information and advice; Providing temporary use of on-line non-downloadable computer software for use in providing financial services, namely, providing risk management, financial information, financial management, securities trading and investment management services; Platform as a service (PAAS) featuring computer software platforms for use in processing global payments; platform as a service (PAAS) featuring computer software platforms enabling customers to send and receive electronic payments; providing online non-downloadable computer software platforms for developing personalized and customizable payment platforms in multi currencies and languages

Printed materials and publications, namely, downloadable reports, articles, brochures, and newsletters in the field of banking and financial services and corporate responsibility initiatives; Banking and financial services, namely, investment banking services, private equity investing services, asset management services, private banking services, retail banking services, financial banking services, home and auto lending and servicing, stock custodial services, payments and treasury services, credit card services, and e-commerce payment services; corporate responsibility initiatives in the field of philanthropy, namely, charitable services in the nature of providing grants that help to support small businesses and providing educational and skills training grants; Providing a website featuring technology in the nature of an online portal that enables users to manage financial accounts, to access financial transaction histories and account information, to manage monetary payments and transfers, and to access fraud monitoring services; Software as a service (SAAS) services featuring software for managing financial investment portfolios; software as a service (SAAS) services, offered via a website,featuring software for use in providing banking and financial services, namely, retail banking services, including digital wallet and electronic payment services, credit card services, investment services and lending services; software as a service (SAAS) services, offered via a website, featuring softwareused by customers to facilitate account transactions, manage accounts and to obtain related financial information and advice; Providing temporary use of on-line non-downloadable computer software for use in providing financial services, namely, providing risk management, financial information, financial management, securities trading and investment management services; Platform as a service (PAAS) featuring computer software platforms for use in processing global payments; platform as a service (PAAS) featuring computer software platforms enabling customers to send and receive electronic payments; providing online non-downloadable computer software platforms for developing personalized and customizable payment platforms in multi currencies and languages

Automobile Financing Services; "AUTO CAPTIVE"

Automobile Financing Services; "AUTO CAPTIVE" and "FINANCE"

Automobile Financing Services; "AUTO PRIVATE LABEL CAPTIVE"

Automobile financing services; "AUTO PRIVATE LABEL CAPTIVE" and "FINANCE"

Ticket reservation services, namely, ticket reservation and booking for entertainment events, dining events, sports events, and cultural events; Travel arrangement services, arranging transport for travelers, making bookings and reservations for transportation of passengers and tourists by land, air, rail, and water; providing travel information services; travel consultancy services; booking of travel tickets by land, water, rail, and air; airport services featuring transit lounge facilities for passenger relaxation; travel itinerary planning services; Travel agency services, namely, booking agency services for travel and arranging of transportation for travel tours; travel ticket reservation services; 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; 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; Hotel concierge services; personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs; Hotel accommodation services; provision of temporary accommodations, providing information and advice regarding hotel accommodations and restaurants; provision of food and drink at lounges; restaurant reservation services; providing information regarding pre-selected restaurants that offer priority reservations and dining experiential enhancements; making hotel reservations for others

Class 035: 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; Class 036: 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; Class 039: Travel arrangement services, arranging transport for travelers, making bookings and reservations for transportation of passengers and tourists by land, air, rail, and water; providing travel information services; travel consultancy services; booking of travel tickets by land, water, rail, and air; airport services featuring transit lounge facilities for passenger relaxation; travel itinerary planning services; booking agency services for travel; arranging of transportation for travel tours; travel ticket reservation services; Class 041: Ticket reservation services, namely, ticket reservation and booking for entertainment events, social entertainment dining events in the nature of food and beverage tasting events, sports events, and other cultural, recreational, and leisure events for card members; Class 043: Hotel accommodation services; provision of temporary accommodations, providing information and advice regarding hotel accommodations and restaurants; provision of food and drink at lounges; restaurant reservation services; providing information regarding pre-selected restaurants that offer priority reservations and dining experiential enhancements; making hotel reservations for others; Class 045: Hotel concierge services; Personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs

Class 035: 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; Class 036: Credit card services, namely, credit card verification, credit card account administration, and processing of credit card annual fees, transactions, payments, and merchant refunds; Class 039: Travel arrangement services, arranging transport for travelers, making bookings and reservations for transportation of passengers and tourists by land, air, rail, and water; providing travel information services; travel consultancy services; booking of travel tickets by land, water, rail, and air; airport services featuring transit lounge facilities for passenger relaxation; travel itinerary planning services; booking agency services for travel; arranging of transportation for travel tours; travel ticket reservation services; Class 041: Ticket reservation services, namely, ticket reservation and booking for entertainment events, social entertainment dining events in the nature of food and beverage tasting events, sports events, and other cultural, recreational, and leisure events for card members; Class 043: Hotel accommodation services; provision of temporary accommodations, providing information and advice regarding hotel accommodations and restaurants; provision of food and drink at lounges; restaurant reservation services; providing information regarding pre-selected restaurants that offer priority reservations and dining experiential enhancements; making hotel reservations for others; Class 045: Hotel concierge services; Personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs

Ticket reservation services, namely, ticket reservation and booking for entertainment events, dining events, sports events, and other cultural, recreational, and leisure events for card members; Travel arrangement services, arranging transport for travelers, making bookings and reservations for transportation of passengers and tourists by land, air, rail, and water; providing travel information services; travel consultancy services; booking of travel tickets by land, water, rail, and air; airport services featuring transit lounge facilities for passenger relaxation; travel itinerary planning services; booking agency services for travel, arranging travel tours; travel ticket reservation services; Credit card services, namely, credit card verification, credit card account administration, and processing of credit card annual fees, transactions, payments, and merchant refunds; 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; Hotel concierge services; personal concierge services for others comprising making requested personal arrangements and reservations, and providing customer specific information to meet individual needs; Hotel accommodation services; provision of temporary accommodations, providing information and advice regarding hotel accommodations and restaurants; provision of food and drink at lounges; restaurant reservation services; providing information regarding pre-selected restaurants that offer priority reservations and dining experiential enhancements; making hotel reservations for others

Financial and credit card services, namely, credit services in the nature of issuing of credit cards with revolving credit and flexible payment terms, electronic card transaction processing, bill payment services, providing personal and business lines of credit, and electronic payment services involving electronic processing and subsequent transmission of bill payment data; "FLEXIBLE CREDIT"

Financial and credit card services, namely, credit services in the nature of issuing of credit cards with revolving credit and flexible payment terms, electronic card transaction processing, bill payment services, providing personal and business lines of credit, and electronic payment services involving electronic processing and subsequent transmission of bill payment data; "FLEXIBLE FUNDS"

Providing cash rebates for credit card use as part of a customer loyalty program

Payment processing services for commercial bank deposits via distributed ledger technology; currency exchange services via distributed ledger technology; financial management of portfolios and advice on financial assets via distributed ledger technology; financial management of assets via distributed ledger technology; securities settlement services using distributed ledger technology; securities brokerage services using distributed ledger technology; financial services, namely, broker/dealer services on securities exchanges and over-the-counter markets using distributed ledger technology; providing financial information, financial account data, financial credit card, wire, ACH, RTP or RFP payment information, and financial check information; currency conversion advice; providing cross border credit card, wire, ACH, RTP or RFP payment information; fraud identification services by providing computer security services for protecting data and information from unauthorized access; all provided via distributed ledger technology; payment information sharing through bill payment services for lockbox providers; Provision of an online marketplace, for buyers and sellers of goods and services, including a deposit ledger and payment rail using distributed ledger technology, for funds or asset transfer among buyers and sellers of financial assets; recording of deposit liabilities via a deposit ledger based on distributed ledger technology, for use by participants of an on-line community via a global computer network; Platform as a service (PAAS) services featuring computer software platforms for validating business transactions using distributed ledger technology; platform as a service (PAAS) services featuring computer software platforms to allow users to perform electronic business transactions via a global computer network using distributed ledger technology; software as a service (SAAS) services featuring software for validating business transactions using distributed ledger technology; software as a service (SAAS) services featuring software to allow users to perform electronic business transactions via a global computer network using distributed ledger technology; computer and technology services for securing computer data and personal and financial information and for the detection of unauthorized access to data and information, namely, data encryption services, electronic monitoring of personally identifying information to detect identity theft via the internet all provided via distributed ledger technology

Cosmetic cases sold empty; Luggage tags; Umbrellas; Jigsaw puzzles; Adhesive labels made of paper; Clipboards; Decorative paper garlands for parties; Desk organizers for stationery use; File folders; Gift bags; Highlighting markers; Paper banners; Paper decorations for cakes; Paper gift tags; Paper napkins; Paper tape; Party decorations made of paper; Passport holders; Pencils; Pens; Photo albums; Printed day planners; Stickers; Rugs; Hair clips; Hair ties; Ornamental novelty pins; Aprons; Headbands; Nightshirts; Pajamas; Robes; Scarves; Shoes; Swimwear; Key chains; Key rings; Beach towels; Bed linen; Bed sheets; Bedspreads; Blanket throws; Fabrics with patterns and designs printed thereon; Pillow cases; Place mats of textile material; Quilts; Shams; Tea towels; Textile fabrics for home and commercial interiors; Textile fabrics for the manufacture of clothing; Woven fabrics for cushions; "CO." as to all classes and "PAPER CO." as to Classes 16, 18, 21 and 28; Dishes; Drinkware; Mugs; Paper cupcake baking liners; Paper cups; Paper plates; Place mats, not of paper or textile; Serving trays; Water bottles sold empty; Accent furniture; Armchairs; Bed headboards; Beds; Benches; Desk chairs; Dining chairs; Magazine racks; Ottomans; Pillows; Screens; Settees

Financial services, namely, providing and managing investment strategies for variable annuity products; "GUIDED ANNUITY PROGRAM"

Software as a service (SAAS) services featuring software for managing financial investment portfolios and optimizing the tax consequences of investment transactions

Software as a service (SAAS) services featuring software for managing financial investment portfolios and optimizing the tax consequences of investment transactions

Downloadable fact sheets in the field of financial and tax advice; "TAX HARVEST INDICATOR"

Software as a service (SAAS) services featuring software for managing financial investment portfolios and optimizing the tax consequences of investment transactions

Software as a service (SAAS) services featuring software for managing financial investment portfolios and optimizing the tax consequences of investment transactions

electrical terminal blocks for in-line splices, T-splices and end termination of an energized heating circuit for use with trace heating cables for industrial purposes

Class 035: Provision of an online marketplace, for buyers and sellers of goods and services that records data on a deposit ledger and payments using distributed ledger technology for buyers and sellers of financial assets; financial records management, namely, recording of deposit liabilities via a deposit ledger and payment rail based on distributed ledger technology, for use by participants of an on-line community via a global computer network, none of the aforementioned services are intended to be used in relation to any crypto, digital, or tokenized currency that is based solely upon gold and/or silver; Class 036: Electronic payment processing services via distributed ledger technology; currency exchange services via distributed ledger technology; financial management of portfolios and advice on financial assets via distributed ledger technology; financial management of assets via distributed ledger technology; securities debt settlement services using distributed ledger technology; securities brokerage services using distributed ledger technology; financial investment services, namely, brokerage services on securities exchanges and over-the-counter markets using distributed ledger technology; providing financial information, namely, sharing, account data sharing, payment information sharing, check information sharing, account validation information, currency conversion information, cross border payment information, fraud data, fraud identification information, federated learning information, federated intelligence information all provided via distributed ledger technology, none of the aforementioned services are intended to be used in relation to any crypto, digital, or tokenized currency that is based solely upon gold and/or silver; Class 042: Platform as a service (paas) services featuring software for validating business transactions using distributed ledger technology; platform as a service (paas) services featuring software to allow users to perform electronic business transactions via a global computer network using distributed ledger technology; software as a service (saas) services featuring software for validating business transactions using distributed ledger technology; software as a service (saas) services featuring software to allow users to perform electronic business transactions via a global computer network using distributed ledger technology; computer and technology services for securing computer data and personal and financial information and for the detection of unauthorized access to data and information, namely, data encryption services, electronic monitoring of personally identifying information to detect identity theft via the internet all provided via distributed ledger technology, none of the aforementioned services are intended to be used in relation to any crypto, digital, or tokenized currency that is based solely upon gold and/or silver

Education services, namely, coaching consulting in the field of business and entrepreneurship; education services, namely, providing classes, seminars, and workshops in the field of business and entrepreneurship; Financial consulting for businesses and entrepreneurs; Business consulting in the field of entrepreneurship; providing a website featuring business information for entrepreneurs; "BUSINESS" and "COACHING FOR IMPACT"

Education services, namely, coaching consulting in the field of business and entrepreneurship; education services, namely, providing classes, seminars, and workshops in the field of business and entrepreneurship; Financial consulting for businesses and entrepreneurs; Business consulting in the field of entrepreneurship; Providing a website featuring business information for entrepreneurs; "BUSINESS" and "COACHING FOR IMPACT"

Education services, namely, coaching consulting in the field of business and entrepreneurship; education services, namely, providing classes, seminars, and workshops in the field of business and entrepreneurship; Financial consulting for businesses and entrepreneurs; Business consulting in the field of entrepreneurship; providing a website featuring business information for entrepreneurs; "BUSINESS" and "COACHING FOR IMPACT"

Monitoring minimum advertised price (MAP) pricing, minimum advertised price (MAP), and manufacturer suggested retail prices, for business purposes; inventory management; order fulfillment services; transportation logistics services, namely, arranging the transportation of goods for others; three-dimensional rendering of products for business purposes, namely, demonstration of products; retail store services, namely, online retail store services hosted on third-party web-based platforms featuring consumer electronics, nutritional supplements, health and wellness products, and general consumer goods, namely, a wide variety of consumer goods of others; business consulting services in the field of e-commerce marketing and management; Software as a service (SAAS) services featuring software for minimum advertised price (MAP) compliance and sales management, global marketplace management, managing distribution systems for e-commerce, managing brand control for e-commerce, managing creative series for e-commerce, managing marketing services for e-commerce serves and for e-commerce compliance, advertising, ratings and review management; application service provider (ASP), namely, hosting computer software in the field of e-commerce marketing and management

Class 044: health care consulting services in the nature of providing non-clinical support to clinicians and staff to apply evidence based methodologies to improve clinical performance

Downloadable computer software and downloadable mobile applications for use in rendering financial services, namely, software for collecting, analyzing, organizing, storing and transmitting data and information in the fields of financial risk management, financial management and investment management; downloadable computer software and downloadable mobile applications used in connection with financial services, namely, software for collecting, analyzing, organizing, storing and transmitting data and information in the fields of personal financial planning, personal financial management, personal investment management, and retirement planning; Financial services, namely, providing financial risk management services in the nature of financial risk analysis via financial scenario analysis, data visualization and analysis, financial news and research, investment analysis, all via a global computer network, financial management services, and securities trading; Temporary use of on-line non-downloadable computer software for use in providing financial services, namely, providing risk management, financial information, financial management, securities trading and investment management services

Charitable fundraising

Promoting the goods and services of a network of merchants by providing merchant-funded offers to others through the distribution of discount offers and rewards; "MEDIA SOLUTIONS"; Software as a service (SAAS) services featuring software used to enable merchants to set up cash back offer promotions to cardholders through incentives programs