RESTRICTED SPENDING SOLUTIONS, LLC, Plaintiff-Appellant, v. ALLOW CARD OF AMERICA, INC. and The Bancorp Inc., Defendants, and Palm Desert Investments, Defendant-Appellee, and Wachovia Corp., Commerce Banc-shares, Inc., and Visa U.S.A., Inc., Defendants-Appellees, and UMB Financial Corp., Defendant-Appellee, and Fifth Third Bancorp, Defendant-Appellee