PROMOTING THE SALE OF CREDIT CARD ACCOUNTS THROUGH THE ADMINISTRATION OF AN INCENTIVE AWARD PROGRAM

COMPUTER SOFTWARE FOR USE IN THE BANKING INDUSTRY TO TRACK AND CALCULATE POINTS EARNED IN CREDIT CARD INCENTIVE PROGRAMS LEADING TO FREE TRAVEL OR TRAVEL-RELATED GIFTS

promoting use of (First Federal Savings and Loan Association of Charleston's) credit cards through incentive award program allowing bank customers to earn gift certificates for free travel or travel related services