Savings schemes services; issuing of tokens of value in relation to customer loyalty schemes for the purpose of reducing levels of carbon dioxide and/or other greenhouse gases in the atmosphere; issuing of vouchers for use as money, namely, issuing pre-paid vouchers exchangeable for goods or services; issuing of discount coupons, namely, loyalty coupon payment processing services; discount of bills, namely, providing rebates for utility bills as part of a customer loyalty program; invoice dis...