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MERCHANDISING SERVICES; PREMIUM ORIGINATING AND REDEEMING SERVICES; ELECTRONIC AND PAPER COUPON CREDIT SERVICES; RENTAL SERVICES; SECURITIES DELIVERY AND HOLDING SERVICES; PREMIUM DEPOSIT SERVICES; CONTRACTING SERVICES; MERCHANDISING ACCOUNT SERVICES TO RECORD PREMIUM BALANCES INCLUDING ELECTRONIC CREDITS; RECORDING ELECTRONIC PREMIUMS TO BE USED AGAINST FUTURE ELECTRONIC CHARGES OR DEBITS; RECORDING ELECTRONIC SCRIP AND VIRTUAL CREDITS TO USED IN PLACE OF CASH; SOFTWARE FOR MERCHANDISING SERVICES; SOFTWARE FOR PREMIUM ORIGINATING AND REDEEMING SERVICES; SOFTWARE FOR ELECTRONIC AND PAPER COUPON CREDIT SERVICES; SOFTWARE FOR RENTAL SERVICES; SOFTWARE FOR SECURITIES DELIVERY AND HOLDING SERVICES; SOFTWARE FOR PREMIUM DEPOSIT SERVICES; SOFTWARE FOR CONTRACTING SERVICES; SOFTWARE FOR MERCHANDISING ACCOUNT SERVICES TO RECORD PREMIUM BALANCES INCLUDING ELECTRONIC CREDITS; SOFTWARE FOR RECORDING ELECTRONIC PREMIUMS TO BE USED AGAINST FUTURE ELECTRONIC CHARGES OR DEBITS; SOFTWARE FOR RECORDING ELECTRONIC SCRIP AND VIRTUAL CREDITS TO USED IN PLACE OF CASH