Ceretel, Inc.

MY WISE REWARD$

Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services;REWARDS;

STI

Bill payment services; Check cashing; Financial services, namely, providing on-line stored value accounts in an electronic environment; Money transfer; Issuing prepaid telecommunications calling cards;Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services;

STI

The mark consists of the letters STI in an ellipse with a stylized sun burst rising over the top left of the ellipse.;Pre-paid telephone calling cards, not magnetically encoded;Color is not claimed as a feature of the mark.;