Trademark Trial and Appeal Board Electronic Filing System. http://estta.uspto.gov ESTTA Tracking number: ESTTA947366 Filing date: 01/14/2019
IN THE UNITED STATES PATENT AND TRADEMARK OFFICE BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD Proceeding 91241972 Party Defendant Associated Banc-Corp Correspondence HEIDE R THOLE Address REINHART BOERNER VAN DEUREN SC 1000 N WATER ST SUITE 1900 MILWAUKEE, WI 53202 UNITED STATES [email protected] 414-298-8185
Submission Motion to Amend/Amended Answer or Counterclaim Filer's Name Daniel E. Kattman Filer's email [email protected] Signature /dek/ Date 01/14/2019 Attachments HSA PLUS Answer to Amended Notice of Opposition - 91241972.pdf(76727 bytes ) HSA PLUS Answer Exhibits 91241972.pdf(1981157 bytes ) IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD
Webster Financial Corporation, ) ) Opposition No.: 91241972 Opposer, ) Trademark: HSA PLUS ) Serial No.: 87328605 v. ) Filing Date: February 8, 2017 ) Published: December 26, 2017 Associated Banc-Corp., ) ) Applicant. )
APPLICANT’S ANSWER TO OPPOSER’S AMENDED NOTICE OF OPPOSITION
Associated Banc-Corp. (“Applicant” or “Associated Bank”), by its attorneys, Reinhart
Boerner Van Deuren s.c., respond to the allegations set forth in Webster Financial Corporation’s
(“Opposer” or “Webster”) Amended Notice of Opposition as follows.
1. Opposer holds approximately $22 billion in assets, and provides business and consumer banking, mortgage, insurance, trust, investment and other financial services. Webster
Bank, National Association, is a federally-chartered national bank and a wholly-owned subsidiary of Complainant. Webster Bank, National Association, is also headquartered in Waterbury,
Connecticut. HSA Bank is a division of Webster Bank, National Association. HSA Bank is headquartered in Sheboygan, Wisconsin.
ANSWER: Applicant is presently without information or knowledge sufficient to assess the allegations set forth in Paragraph 1 and therefore denies the claims set forth in Paragraph 1.
2. Since at least as early as December 10, 2003, Opposer, through its licensee, Webster
Bank, National Association, and its predecessor, through its licensee, Webster Bank, National
40903031 Association, and its predecessor entity, State Bank of Howards Grove, has exclusively,
continuously, and on a widespread basis used and promoted the HSA BANK® mark in commerce.
HSA Bank is one of the largest administrators of health savings accounts in the United States with, over 35,000 employers, 2.6 million members and $6.9 billion in assets. Opposer provides the HSA
BANK services in all fifty states, the District of Columbia, Puerto Rico, Guam, and the U.S. Virgin
Islands.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 2 and therefore denies the claims set forth in Paragraph 2.
3. Opposer regularly advertises its HSA BANK services via the Internet and print
advertisements. Moreover, in its nationwide advertising, Opposer has featured the HSA BANK brand in a variety of media including, without limitation: print ads in national publications directed
to the health insurance and human resources markets, such as Benefits Selling magazine
(circulation 35,700) and Benefits Selling CDHC Supplement (circulation 91,000), HR Management magazine (circulation 32,000), Employee Benefits Advisor magazine (circulation 45,000), Agent
Sales Journal magazine (circulation 50,000), and Health Insurance Underwriter magazine
(circulation 30,000); distribution of print and electronic brochures and newsletters to agents, health
plans, third party administrators, and other customers across the United States; educational
seminars in at least thirty (30) different cities and many more via the Internet; national trade show
sponsorships, Internet banner ads and Internet links on other websites to www.hsabank.com. See
Exhibit 1.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 3 and therefore denies the claims set forth in Paragraph 3.
4. Opposer owns United States Registration Nos. 3161483, 3274343, and 5145798
40903031 2 for HSA BANK. The services set forth in these registrations are as follows:
Banking services; internet and on-line banking services; administration of savings accounts; bill payment services; check processing; debit card services; electronic cash transactions; electronic debit transactions; electronic payment, namely, electronic processing and transmission of bill payment data; electronic transfer of money; financial information provided by electronic means; assisting others with the completion of financial transactions for stocks, bonds, securities and equities; providing on-line financial calculators; savings account services; health savings account services, namely, providing banking services and savings account administration for consumer-driven health care plans and defined contribution health care plans; custodial services, and trustee services for health savings accounts.
Online banking services accessible by means of downloadable mobile applications; administration of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; expense tracking and receipt tracking; account administration for Section 125 cafeteria plans; providing information in the fields of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited- purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts via various means, which may include but are not limited to, the Internet, global networks, cloud computing, social media, blogs, telephone, in person, mail, e-mail and facsimile; third-party benefit administration services, namely, administration of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; administration of benefit plans concerning group insured and/or self-insured benefits and/or individually insured and/or self-pay benefits, namely, enrolling participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds, and updating records of employee expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with employee benefit plans concerning insurance and self-insurance; providing employee benefits and/or benefit management services to third party administrators and employers, namely, providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self-pay benefits; providing employee benefits and/or benefit management services for others concerning insurance, self- insurance and/or self-pay benefits which may include but are not limited to, third party administrators, employers, and governmental payers, namely, providing payment processing services and processing electronic payments made
40903031 3 through various means which may include but are not limited to, payment cards and ACH for various types of payments which may include but are not limited to, commuter expenses, tuition reimbursement, dependent care, flexible spending accounts and other tax advantaged accounts; administration of insured, self-insured and self-pay benefit plans; and providing educational information in the field of employee benefits and/or benefit management services concerning group insured and/or self-insured benefit plans and/or individually insured and/or self-pay benefit plans
Webster Financial Corporation also owns Registration Nos. 4899221, 4923629, and
4905859 for HSA BANK OWN YOUR HEALTH; Registration Nos. 5051037, 5051038,
5283724, 5283725, and 5283726 for HSABANK OWN YOUR HEALTH; Registration No.
4056573 for BANCO HSA; Registration No. 3914480 for EVERYDAY HSA (collectively,
“Opposer’s Registered Trademarks”).
ANSWER: Applicant admits only that current U.S. Patent and Trademark Office records list Webster Financial Corporation as the owner of trademark Registration No. 3161483 for HSA BANK (the “ ‘483 Registration”); Registration No. 5145798 for HSA BANK (the “
‘798 Registration”); and Registration No. 3274343 for (the “ 343 Registration”)
(collectively, the “HSA Registrations”). Applicant denies any legal or factual conclusions, stated or implied, by the allegations set forth in Paragraph 4.
The U.S. Patent and Trademark Office records indicate that the HSA Registrations cover the following services:
‘483 Registration and ‘343 Registration: Banking services; internet and on-line banking services; administration of savings accounts; bill payment services; check processing; debit card services; electronic cash transactions; electronic debit transactions; electronic payment, namely, electronic processing and transmission of bill payment data; electronic transfer of money; financial information provided by electronic means; assisting others with the completion of financial transactions for stocks, bonds, securities and equities; providing on-line financial calculators; savings account services; health savings account services, namely, providing banking services and savings account administration for consumer-driven health care plans and defined contribution health care plans; custodial services, and trustee services for health savings accounts in Class 36;
40903031 4
‘798 Registration: Online banking services accessible by means of downloadable mobile applications; administration of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited- purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; expense tracking and receipt tracking; account administration for Section 125 cafeteria plans; providing information in the fields of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts via various means, which may include but are not limited to, the Internet, global networks, cloud computing, social media, blogs, telephone, in person, mail, e-mail and facsimile; third-party benefit administration services, namely, administration of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; administration of benefit plans concerning group insured and/or self-insured benefits and/or individually insured and/or self-pay benefits, namely, enrolling participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds, and updating records of employee expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with employee benefit plans concerning insurance and self-insurance; providing employee benefits and/or benefit management services to third party administrators and employers, namely, providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self-pay benefits; providing employee benefits and/or benefit management services for others concerning insurance, self- insurance and/or self-pay benefits which may include but are not limited to, third party administrators, employers, and governmental payers, namely, providing payment processing services and processing electronic payments made through various means which may include but are not limited to, payment cards and ACH for various types of payments which may include but are not limited to, commuter expenses, tuition reimbursement, dependent care, flexible spending accounts and other tax advantaged accounts; administration of insured, self-insured and self-pay benefit plans; and providing educational information in the field of employee benefits and/or benefit management services concerning group insured and/or self-insured benefit plans and/or individually insured and/or self-pay benefit plans in Class 36;
Applicant also admits that current U.S. Patent and Trademark Office records list Webster
Financial Corporation as the owner of trademark Registration No. 4899221 for HSA BANK
OWN YOUR HEALTH (the “‘221 Registration”); Registration No. 4923629 for HSA BANK
40903031 5 OWN YOUR HEALTH (the “‘629 Registration”); and Registration No. 4905859 for HSA
BANK OWN YOUR HEALTH (the “‘859 Registration”) (collectively, the “HSA BANK OWN
YOUR HEALTH Registrations”). Applicant further admits that U.S. Patent and Trademark
Office records list Webster Financial Corporation as the owner of trademark Registration No.
5051037 for (the “‘037 Registration”); Registration No. 5051038 for
(the “‘038 Registration”); Registration No. 5283724 for (the “‘724
Registration); Registration No. 5283725 for (the “‘725 Registration); and
Registration No. 5283726 for (the “‘726 Registration) (collectively, the “HSA
BANK OWN YOUR HEALTH & Design Registrations). Application further admits that current
U.S. Patent and Trademark Office records list Webster Financial Corporation as the owner of
trademark Registration No. 4056573 for BANCO HSA (the “BANCO HSA Registration”) and
Registration No. 3914480 for EVERYDAY HSA (the “EVERYDAY HSA Registration”).
Without admitting any legal or factual conclusions, stated or implied, Applicant shall herein refer
to the aforementioned registrations collectively as the “Webster Financial Corporation
Registrations”. Applicant denies any other factual or legal conclusion pertaining to the validity
of the Webster Financial Corporation Registrations.
5. Registration Nos. 3161483, 3274343, 3914480, and 4056573, which are owned
by Opposer, are incontestable.
ANSWER: Applicant already provided its answers regarding the ownership of the ‘483
Registration, the ‘343 Registration, the ‘480 Registration, and the ‘573 Registration in
Applicant’s response to Paragraph 4. Applicant only admits that the U.S. Patent and Trademark
40903031 6 Office has acknowledged Section 15 Declarations of Incontestability for the ‘483 Registration,
the ‘343 Registration, the ‘480 Registration, and the ‘573 Registration (collectively, the
“Paragraph 5 Registrations”). Applicant is currently without knowledge or information to assess
the validity of the Section 15 Declarations of Incontestability for the Paragraph 5 Registrations;
Applicant therefore denies the same.
6. Opposer is also the owner of U.S. Trademark Application Serial Nos. 87733165,
87733166, and 87733167 for HSA FAST FORWARD; Serial Nos. 87801902 and 87801903 for
HSA BANK HEALTH & WEALTH INDEX; and Serial Nos. 87801904 and 87801906 for HSA
BANK HEALTH SAVINGS INDEX (collectively, “Opposer’s Trademark Applications”).
ANSWER: Applicant admits only that current U.S. Patent and Trademark Office records list Webster Financial Corporation as the owner of trademark application Serial No. 87733166 and
87733167 for HSA FAST FORWARD; Serial Nos. 87801902 and 87801903 for HSA BANK
HEALTH & WEALTH INDEX; and Serial Nos. 87801904 and 87801906 for HAS BANK
HEALTH SAVINGS INDEX. Without admitting any legal or factual conclusions, stated or implied, Applicant shall herein refer to the aforementioned applications collectively as the
“Webster Financial Corporation Applications”. Applicant denies any other factual or legal conclusion pertaining to the validity of the Webster Financial Corporation Applications.
7. Opposer’s Certificates of Registration constitute prima facie evidence of the
validity of the marks, and of Opposer’s ownership of and exclusive rights to use the marks in
commerce on or in connection with the services specified in the registrations. See Exhibit 2.
ANSWER: Applicant is presently without knowledge or information to assess the claims
set forth in Paragraph 7; Applicant therefore denies the claims set forth in Paragraph 7.
8. Opposer has spent considerable amount of monies promoting and using Opposer’s
40903031 7 Registered Trademarks.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 8 and therefore denies the claims set forth in Paragraph 8.
9. Opposer’s Registered Trademarks have become an intrinsic and essential part of
the valuable goodwill and property of Opposer. Opposer’s Registered Trademarks are well established and well known to customers and the trade as symbols identifying and distinguishing
Opposer’s products and services, and signifying distinctive products and services of high quality.
ANSWER: Deny.
10. By virtue of Opposer’s extensive promotion and advertising of its products and
services under Opposer’s Registered Trademarks, and the high quality of the products and services offered under Opposer’s Registered Trademarks, Opposer’s Registered Trademarks have become
famous throughout the United States, with increased notoriety in Wisconsin, the Midwest and
Northeast and widely recognized in the United States as designating high quality products and
services originating exclusively from Opposer.
ANSWER: Deny.
11. Opposer continues to make use of Opposer’s Registered Trademarks today throughout the United States.
ANSWER: Applicant is presently without information or knowledge sufficient to assess the allegations set forth in Paragraph 11 and therefore denies the claims set forth in
Paragraph 11.
12. Opposer’s Registered Trademarks became famous prior to the filing date of
Applicant’s application.
ANSWER: Deny.
40903031 8 13. Applicant filed the instant intent to use application for HSA PLUS in Class 36 for
“Savings account, debit check card services, namely, processing of credit card payments, and funds
investment services offered to the employees of companies enrolled in a high deductible health
plan offered by and administered by the applicant; health insurance administration; administration
of health savings accounts”.
ANSWER: Admit.
14. Opposer has used Opposer’s Registered Trademarks long before Applicant filed
its trademark application.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 14 and therefore denies the claims set forth in Paragraph 14.
15. Applicant’s proposed mark is highly similar to one or more of Opposer’s Marks.
ANSWER: Deny.
16. Due to the highly similar nature of the marks and the relatedness of the goods and
services, concurrent use of Applicant’s proposed mark by Applicant and Opposer’s Marks by
Opposer will likely result in consumer confusion as to source, sponsorship, approval or affiliation within the meaning on 15 U.S.C. §§ 1114 and 1125(a), and as such, Opposer is likely to be damaged by the registration of Applicant’s proposed mark within the meaning of 15 U.S.C. §
1063(a).
ANSWER: Deny.
17. Applicant’s proposed mark is unregisterable pursuant to 15 U.S.C. § 1052(d), as it
so resembles a mark previously used in the United States by another and not abandoned as to be
likely to cause confusion, mistake or do deceive. See also Trademark Act Section 2(d); TMEP §
1207.
40903031 9 ANSWER: Deny.
18. Upon information and belief, Applicant’s proposed mark is likely to cause dilution by blurring, impairing the distinctiveness of at least one of Opposer’s Registered Trademarks, which is famous, in violation of Section 43(c) of the Trademark Act.
ANSWER: Deny.
19. Upon information and belief, Applicant’s use of its proposed mark is likely to cause dilution by tarnishment, harming the reputation of at least one of Opposer’s Registered
Trademarks, which is famous, in violation of Section 43(c) of the Trademark Act.
ANSWER: Deny.
20. According to Consumer Affairs online website, Associated Bank has a 1 out of 5
star rating. A true and correct copy of the negative reviews for Associated Bank is attached hereto
as Exhibit 3.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 20 and therefore denies the same.
21. Associated Bank has also been accused of unlawful business practices on numerous occasions. For example, in 2015, Associated Bank was required to provide borrowers in minority neighborhoods $200 million in mortgage loans as part of a settlement with the U.S. Department of
Housing and Urban Development over charges of discriminatory lending, which according to the attached article, made it the largest settlement of its kind. See Exhibit 4.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 21 and therefore denies the same.
22. Associated Bank has also been accused of violating the anti-money laundering
regulations and the Bank Secrecy Act. See Exhibit 5.
40903031 10 ANSWER: Applicant is presently without information or knowledge sufficient to assess the allegations set forth in Paragraph 22 and therefore denies the same.
23. According to Associated Bank’s most recent 10-K, the Office of the Comptroller
of the Currency previously issued a “Needs to Improve” Community Reinvestment Act rating to
Associated Bank. See Exhibit 6.
ANSWER: Applicant is presently without information or knowledge sufficient to assess
the allegations set forth in Paragraph 23 and therefore denies the same.
24. Upon information and belief, the aforementioned examples demonstrate that
Opposer and its Registered Trademarks will suffer a negative association by Applicant’s use of its
mark as the services being offered under its proposed mark will likely be the same sub- standard
quality as the rest of the services being offered by Applicant, which has resulted in numerous
lawsuits and regulatory violations. Indeed, upon information and belief, Applicant’s proposed
mark, which is similar to Opposer’s famous Registered Trademarks, will create a negative
association that harms the reputation of at least one of Opposer’s famous Registered Trademarks.
ANSWER: Deny.
25. Upon information and belief, at least one of Opposer’s Registered Trademarks,
which became famous prior to the filing of Applicant’s application, and the goodwill associated
therewith will suffer negative associations through Associated Bank’s use of its proposed mark as
Opposer’s goods and services under its Registered Trademarks will be linked to shoddy services
and business practices, several of which are described above, which are substantially inferior to
the goods and services offered by Opposer through its Registered Trademarks. Further, upon
information and belief, the public will associate the lack of quality in Applicant’s services with
Opposer’s goods and services and such association is likely to harm consumers’ positive
40903031 11 impressions about Opposer’s goods and services and Opposer’s Registered Trademarks.
ANSWER: Deny.
26. Opposer, upon information and belief, avers that it will be damaged by the use and
registration of Applicant’s proposed mark as set forth in Application Serial No. 87328605 because
the mark is substantially similar to Opposer’s Marks and Applicant plans to use its proposed mark
in connection with identical services to those offered by Opposer.
ANSWER: Deny.
27. Opposer would be damaged by registration of Applicant’s mark because, inter alia,
pursuant to Section 2(d) of the Trademark Act, such registration could serve as a potential bar to
future applications for registration of Opposer’s Marks in Class 36.
ANSWER: Deny.
28. If permitted, Applicant’s registration would constitute prima facie evidence of
Applicant’s exclusive right to use its proposed mark, which would be inconsistent with and harmful
to Opposer’s prior, established, and superior rights in Opposer’s Registered Trademarks.
ANSWER: Deny.
29. Accordingly, registration for the mark applied for under Application Serial No.
87328605 must be refused.
ANSWER: Deny.
40903031 12 COUNTER CLAIMS FOR CANCELLATION
1. Pursuant to 37 C.F.R. § 2.106(b)(2) and Section 313 of the Trademark Trial and
Appeal Board Manual of Procedures, Associated files these counterclaims to cancel Registration
Nos. 3161483; 3274343; 5145798; 5283726; 5283725; 5283724; 5051038; 5051037; 4934240;
4905859; 4899221; 4923629; 3914480; 4056573, and Applicant avers as follows:
Counter Claim I Cancellation of the ‘798 Registration
2. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
3. The ‘798 Registration issued for the alleged “HSA BANK” mark.
4. The services covered by the ‘798 Registration include “Online banking services
accessible by means of downloadable mobile applications; administration of flexible spending
accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts”.
5. The term “HSA” is generic for health savings account services. See Exhibit A (The
U.S. Centers for Medicare & Medicaid Services define “HSA” as an abbreviation of “health
Savings Account”, or “a type of savings account that lets you set aside money on a pre-tax basis to pay
for qualified medical expenses”); Exhibit B (an article from Wikipedia abbreviating Health Savings
Account as “HSA”); Exhibit C (an article from Mayo Clinic explaining using the terms “health
savings account” and “HSA” interchangeably); and Exhibit D (article from New York Times using
H.S.A. as an equivalent of “health savings account”).
6. On October 30, 2015 Registrant submitted a specimen of use in connection with
trademark application Serial No. 87094040 (which matured into the ‘798 Registration) that used
“HSA” as an abbreviation of “Health Savings Account”. See Exhibit E.
40903031 13 7. The term “BANK” is generic for an institution that provides banking services;
services related to the custody, loan, exchange, or issue of money; credit services; or fund
transmission services. See Exhibit F.
8. The term “HSA” is generic for the services identified in the ‘798 Registration.
9. The term “BANK” is generic for the services identified in the ‘798 Registration.
10. When “HSA” and “BANK” are combined the resulting term “HSA BANK” is also generic.
11. HSA BANK is generic for the services identified in the ‘343 Registration and as a result is incapable of functioning as a source distinguisher for the ‘343 HSA Services.
12. Pursuant to 15 U.S.C. § 1064, Applicant respectfully requests that Board cancel the
‘343 as generic.
Counter Claim II Cancellation of the ‘483 Registration
13. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
14. The ‘483 Registration issued for the alleged mark “HSA BANK”.
15. The ‘483 Registration covers “Banking services; internet and on-line banking services” and “health savings account services, namely, providing banking services and savings account administration for consumer-driven health care plans and defined contribution health care plans; custodial services, and trustee services for health savings accounts” in Class 36.
16. A specimen of use submitted in connection with the ‘483 Registration identifies
“Health Savings Accounts (HSAs) [as] tax-exempt accounts where funds grow to pay for eligible
medical expenses.” See Exhibit G.
17. The term “HSA” is generic for the services identified in the ‘483 Registration.
18. The term “BANK” is generic for the services identified in the ‘483 Registration.
40903031 14 19. When “HSA” and “BANK” are combined the resulting term “HSA BANK” is also generic.
20. HSA BANK is generic for the services identified in the ‘343 Registration and as a result is incapable of functioning as a source distinguisher for the ‘343 HSA Services.
21. Pursuant to 15 U.S.C. § 1064, Applicant respectfully requests that Board cancel the
‘343 as generic.
Counterclaim III Cancellation of the ‘343 Registration
22. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
23. The ‘493 Registration issued for the alleged mark “HSA BANK”.
24. The ‘343 Registration covers, among other services “health savings account
services, namely, providing banking services and savings account administration for consumer- driven health care plans and defined contribution health care plans; custodial services, and trustee
services for health savings accounts” (the “‘343 HSA Services.”)
25. “HSA” is generic for the services covered by the ‘343 Registration.
26. “BANK” is generic for the services covered by the ‘343 Registration.
27. When “HSA” and “BANK” are combined the resulting term “HSA BANK” is also
generic.
28. HSA BANK is generic for the services identified in the ‘343 Registration and as a
result is incapable of functioning as a source distinguisher for the ‘343 HSA Services.
29. Pursuant to 15 U.S.C. § 1064, Applicant respectfully requests that Board cancel the
‘343 as generic.
Counterclaim IV Cancellation of the ‘573 Registration
40903031 15 30. The foregoing paragraphs as incorporated as if more fully set forth herein.
31. The English translation of “BANCO” is “BANK”. See Exhibit H.
32. The English language equivalent of BANCO HSA is “BANK HSA” or “HSA
BANK”.
33. The ‘573 Registration services include “banking services” and “health savings
account services, namely, providing banking services and savings account administration for
consumer-driven health care plans and defined contribution health care plans” in Class 36.
34. “HSA” is generic for the “health savings account services, namely, providing
banking services and savings account administration for consumer-driven health care plans and
defined contribution health care plans” services covered by the ‘573 Registration.
35. “BANCO” and its English language equivalent, “BANK”, are generic for the
“banking services” and “health savings account services, namely, providing banking services and
savings account administration for consumer-driven health care plans and defined contribution
health care plans” services covered by the ‘573 Registration.
36. The individual words “BANCO” and “HSA” are joined to form a compound,
BANCO HSA, which has a meaning identical to the meaning that common usage would ascribe
to those words as a compound, namely, a bank that provides health savings account services.
37. When “HSA” and “BANCO” are combined the resulting term “BANCO HSA” is
also generic.
38. HSA BANK is generic for the services identified in the ‘573 Registration and as a
result is incapable of functioning as a source distinguisher for the services identified in the ‘573
Registration.
40903031 16 39. Pursuant to 15 U.S.C. § 1064, Applicant respectfully requests that Board cancel the
‘573 Registration as generic.
Counter Claim V Cancellation of the ‘726 Registration
62. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
63. The services covered by the ‘726 Registration include “Banking services” and
“Banking services” and “administration of savings accounts, flexible spending accounts, limited-
purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose
health reimbursement arrangements, dependent care flexible spending accounts, health savings
accounts”.
64. “HSA” is generic for health savings account services.
65. “BANK” is generic for an institution that provides banking services; services
related to the custody, loan, exchange, or issue of money; credit services; or fund transmission
services.
66. “OWN” is defined as the act of holding, having or possessing. See Exhibit I.
67. “HEALTH” is defined as being of sound condition. See Exhibit J.
68. HSA BANK OWN YOUR HEALTH is merely descriptive of a bank that provides
HSA services, thereby allowing customers to own accounts for health care expenditures.
69. HSA OWN YOUR HEALTH is merely descriptive for “Banking services” and
“Banking services” and “administration of savings accounts, flexible spending accounts, limited-
purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose
health reimbursement arrangements, dependent care flexible spending accounts, health savings
accounts”.
40903031 17 70. Accordingly, the ‘726 Registration should have been refused registration as merely descriptive in accordance with 15 U.S.S. § 1052(e)(1).
71. Application respectfully requests that the Board cancel the ‘726 Registration under
Section 14 of the Trademark Act.
Counter Claim VI Cancellation of the ‘725 Registration
72. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
73. The services covered by the ‘725 Registration include “Providing use of online,
non-downloadable software for financial services, namely, enrolling customers and participants,
automatically verifying eligibility, adjudicating claims, processing payments, processing
distributions, transferring funds, and updating records of employee expenditures, all via various
means which may include but are not limited to, communications networks using electronically
encoded cards operating in conjunction with employee benefit plans”.
74. HSA BANK OWN YOUR HEALTH is merely descriptive of the services
identified in the ‘725 Registration.
75. Accordingly, the ‘726 Registration should have been refused registration as merely
descriptive in accordance with 15 U.S.S. § 1052(e)(1).
76. Application respectfully requests that the Board cancel the ‘726 Registration under
Section 14 of the Trademark Act.
Counter Claim VII Cancellation of the ‘724 Registration
77. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
78. The goods covered by the ‘724 Registration include “Electronic cards used to verify
eligibility, access and update medical and other records, and transfer funds and process payments,
40903031 18 all in conjunction with custodial services, trustee services, employee benefits and/or benefit management services for others which may include but are not limited to, third party administrators, employers, and governmental payers, and which type of payments may include but are not limited to, flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; software for the custodial services and trustee services of health savings accounts” and “software for providing custodial services, trustee services, employee benefits and/or benefit management services to third party administrators, employers and individuals, namely, software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits and for aiding in the custodian services and trustee services for health savings accounts”.
79. HSA OWN YOUR HEALTH is merely descriptive of the software products identified in the ‘724 Registration, i.e., software and products that are used for banking functions related to health savings accounts that allow users to control and possess accounts for health care expenditures.
80. Accordingly, the ‘724 Registration should have been refused registration as merely descriptive in accordance with 15 U.S.S. § 1052(e)(1).
81. Application respectfully requests that the Board cancel the ‘724 Registration under
Section 14 of the Trademark Act.
Counter Claim VIII Cancellation of the ‘038 Registration
82. Appellant realleges the foregoing paragraphs as if more fully set forth herein.
40903031 19 83. The services covered by the ‘038 Registration include “banking services”, “banking
services and account administration for consumer-driven health care plans and defined
contribution health care plans and Section 125 cafeteria plans” and “administration of savings
accounts, flexible spending accounts, limited-purpose health flexible spending accounts, health
reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent
care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and
other tax advantaged accounts” in Class 36.
84. HSA OWN YOUR HEALTH is merely descriptive for “banking services”,
“banking services and account administration for consumer-driven health care plans and defined contribution health care plans and Section 125 cafeteria plans” and “administration of savings accounts, flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts.”
85. Accordingly, the ‘038 Registration should have been refused registration as merely
descriptive in accordance with 15 U.S.S. § 1052(e)(1).
86. Application respectfully requests that the Board cancel the ‘038 Registration under
Section 14 of the Trademark Act.
Counter Claim IX Cancellation of the ‘037 Registration
87. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
88. The goods covered by the ‘037 Registration include “Electronic cards used to verify
eligibility, access and update medical and other records, and transfer funds and process payments,
all in conjunction with custodial services, trustee services, employee benefits and/or benefit
40903031 20 management services for others which may include but are not limited to, third party administrators, employers, and governmental payers, and which type of payments may include but are not limited to, flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; software for the custodial services and trustee services of health savings accounts” and “software for providing custodial services, trustee services, employee benefits and/or benefit management services to third party administrators, employers and individuals, namely, software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits and for aiding in the custodian services and trustee services for health savings accounts”.
89. HSA OWN YOUR HEALTH is merely descriptive of the software products identified in the ‘037 Registration, i.e., software and products that are used for banking functions related to health savings accounts that allow users to control and possess accounts for health care expenditures.
90. Accordingly, the ‘037 Registration should have been refused registration as merely descriptive in accordance with 15 U.S.S. § 1052(e)(1).
91. Application respectfully requests that the Board cancel the ‘037 Registration under
Section 14 of the Trademark Act.
Counter Claim X Cancellation of the ‘240 Registration
92. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
93. The services covered by the ‘240 Registration include “Providing use of online,
non-downloadable software for financial services, namely, enrolling customers and participants,
40903031 21 automatically verifying eligibility, adjudicating claims, processing payments, processing distributions, transferring funds, and updating records of employee expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with employee benefit plans”.
94. HSA BANK OWN YOUR HEALTH is merely descriptive of the services identified in the ‘240 Registration.
95. Accordingly, the ‘240 Registration should have been refused registration as merely descriptive in accordance with 15 U.S.S. § 1052(e)(1).
96. Application respectfully requests that the Board cancel the ‘240 Registration under
Section 14 of the Trademark Act.
Counter Claim XI Cancellation of the ‘859 Registration
97. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
98. The services covered by the ‘859 Registration include “Providing use of online,
non-downloadable software for financial services, namely, enrolling customers and participants,
automatically verifying eligibility, adjudicating claims, processing payments, processing
distributions, transferring funds, and updating records of employee expenditures, all via various
means which may include but are not limited to, communications networks using electronically
encoded cards operating in conjunction with employee benefit plans”.
99. HSA BANK OWN YOUR HEALTH is merely descriptive of the services
identified in the ‘859 Registration.
100. Accordingly, the ‘859 Registration should have been refused registration as merely
descriptive in accordance with 15 U.S.S. § 1052(e)(1).
40903031 22 101. Application respectfully requests that the Board cancel the ‘859 Registration under
Section 14 of the Trademark Act.
Counter Claim XII Cancellation of the ‘221 Registration
102. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
103. The services covered by the ‘221 Registration include “banking services”, “banking
services and account administration for consumer-driven health care plans and defined
contribution health care plans and Section 125 cafeteria plans” and “administration of savings
accounts, flexible spending accounts, limited-purpose health flexible spending accounts, health
reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent
care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and
other tax advantaged accounts” in Class 36.
104. HSA BANK OWN YOUR HEALTH is merely descriptive of the services identified in the ‘221 Registration.
105. Accordingly, the ‘221 Registration should have been refused registration as merely descriptive in accordance with 15 U.S.S. § 1052(e)(1).
106. Application respectfully requests that the Board cancel the ‘221 Registration under
Section 14 of the Trademark Act.
Counter Claim XIII Cancellation of the ‘629 Registration
107. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
108. The services covered by the ‘629 Registration include “Electronic cards used to
verify eligibility, access and update medical and other records, and transfer funds and process
payments, all in conjunction with custodial services, trustee services, employee benefits and/or
40903031 23 benefit management services for others which may include but are not limited to, third party administrators, employers, and governmental payers, and which type of payments may include but are not limited to, flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; software for the custodial services and trustee services of health savings accounts” and “software for providing custodial services, trustee services, employee benefits and/or benefit management services to third party administrators, employers and individuals, namely, software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits and for aiding in the custodian services and trustee services for health savings accounts”.
109. HSA OWN YOUR HEALTH is merely descriptive of the software products identified in the ‘629 Registration, i.e., software and products that are used for banking functions related to health savings accounts that allow users to control and possess accounts for health care expenditures.
110. Accordingly, the ‘629 Registration should have been refused registration as merely descriptive in accordance with 15 U.S.S. § 1052(e)(1).
111. Application respectfully requests that the Board cancel the ‘629 Registration under
Section 14 of the Trademark Act.
40903031 24 Counter Claim XIV Cancellation of the ‘480 Registration
112. Applicant realleges the foregoing paragraphs as if more fully set forth herein.
113. The services covered by the ‘480 Registration including “Providing information in
the field of health savings accounts; providing online calculators for customizing health savings
account recommendations”.
114. “HSA” is generic for the ‘480 Services.
115. “EVERYDAY” is generic for the ‘480 Services.
116. When “EVERYDAY” and “BANK” are combined the resulting term
“EVERYDAY” is also generic.
117. EVERYDAY HSA is generic for the services identified in the ‘480 Registration and as a result is incapable of functioning as a source distinguisher for the ‘480 Services.
118. Pursuant to 15 U.S.C. § 1064, Applicant respectfully requests that Board cancel the
‘480 as generic.
AFFIRMATIVE DEFENSE
Affirmative Defense I Abandonment
119. The foregoing paragraphs are incorporated as if more fully set forth herein.
120. The term HSA is generic in relation to Opposer’s services.
121. Applicant has long used HSA to describe its health savings account services.
122. The term BANK is generic in relation to Opposer’s services.
123. When “HSA” and “BANK” are combined the resulting term “HSA BANK” is also generic.
40903031 25 124. HSA BANK is generic for the Opposer’s Services and as a result is incapable of functioning as a source distinguisher for the Opposer’s Services.
125. The Opposer has abandoned any rights in HSA BANK because HSA BANK is generic for Opposer’s Services.
126. An application is only barred from registration under Section 2(d) of the Lanham
Act if it is likely to cause confusion with a mark previously used in United States and the previously used mark has not been abandoned.
127. Because the Registrant has abandoned any exclusive rights in the HSA BANK marks through genericness, the Opposer has no grounds for a likelihood of confusion claim against the Application.
Relief Requested
Applicant respectfully requests that the Opposer’s requests for relief be denied, this Opposition
proceeding be dismissed with prejudice, and that the Board grant whatever additional relief it
deems just and fair.
Dated: January 14, 2019 Respectfully Submitted,
REINHART BOERNER VAN DEUREN S.C., Attorneys for Applicant, Associated Banc-Corp.
/s/ Daniel E. Kattman
Daniel E. Kattman Heidi R. Thole 1000 N. Water St. Ste. 1700 Milwaukee, WI 53202 (414) 298-8185 [email protected]
40903031 26 CERTIFICATE OF SERVICE
I hereby certify that a true and accurate copy of the Applicant's Answer to Plaintiff’s Amended Notice of Opposition was served by email on January 14, 2019, on the following:
Gail Podolsky Carlton Fields Jorden Burt, PA 1201 W. Peachtree Street, Suite 3000 Atlanta, Georgia 30309 [email protected], [email protected]
Attorney for Registrant, Webster Financial Corporation
Dated: January 14, 2019 Respectfully Submitted,
REINHART BOERNER VAN DEUREN S.C., Attorneys for Applicant, Associated Banc-Corp.
/s/ Daniel E. Kattman
Daniel E. Kattman Heidi R. Thole 1000 N. Water St. Ste. 1700 Milwaukee, WI 53202 (414) 298-8185 [email protected]
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