Financial services, namely, operation of chequing, savings, and bill payment accounts and the provision of consumer loans, mortgages, term deposits, drafts, traveller's cheques, money orders and account transfers; Credit card transaction processing services; Automatic Teller Machine services; Operating a customer loyalty reward program, namely, the provision of rewards points to be redeemed for cash back, statement credit, travel, merchandise, or donation to charity for the use of credit cards; Customer loyalty program, namely, conducting customer incentive award programs for customers through the issuance and processing of loyalty points to be redeemed for financial rewards and other special offers available on-line; Rewarding existing customers, namely, operating a program where customers can redeem rewards points for cash back, statement credit, travel, merchandise, or donation to charity for the use of credit cards; Operation of a website related to an incentive loyalty reward program and containing information in the field of incentive loyalty reward programs for customers; Financial services related to the issuance and use of credit cards; Loyalty program involving the provision of rewards points to be redeemed for cash back, statement credit, travel, merchandise, or donation to charity for the use of credit cards; Online banking and financial services via a global computer network; Online banking and financial services accessible by means of websites or downloadable mobile applications; Electronic payment services, namely, electronic processing and subsequent transfer of electronic funds and payments via ACH, credit cards, debit cards, prepaid cards, wire transfer, check, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial consulting services; Business consulting in the fields of business performance improvement, data management, advanced data analytics and digital transformation.

Computer and information technology services, namely, computer hardware installation; Provision of Management; Computer and information technology services, namely, data recovery and organization, network and infrastructure management, virus removal and protection, computer software and hardware installation, technology training, synchronization and consolidation of system functions, network and computer optimization, provision of outsourcing services.

Computer and information technology services, namely, technology training; Provision of Management Information Systems, namely, technology training; Educational services, namely, providing online databases and software over the internet and other computer accessible networks to manage employee training and skill development in the field of digital transformation.

Computer and information technology services, namely, data recovery and organization, network and infrastructure management, virus removal and protection, computer software and hardware installation, technology training, synchronization and consolidation of system functions, network and computer optimization, provision of outsourcing services; Provision of Web Site development services to providers of retail and wholesale banking services and other financial services, and to organizations chartered under federal or provincial legislation governing co-operatives; Financial technology software consulting services; Financial computer program integration services; Financial consulting services, namely business management consulting and technological services in the field of financial technology (FinTech); Providing temporary use of non-downloadable cloud-based software for usein the integration of financial technology (FinTech); Platform as a service (PAAS) featuring computer software platforms for use by others as pre-configured and integrated technology platform to access and translate financial transactions; Platform as a service (PaaS) featuring computer software platforms for use in the field of financial services for mobile, online and electronic banking; software as a service (SaaS) featuring software for users to manage their commercial credit card accounts and process transactions; Software as a service (SaaS) featuring software for internet and digital banking, namely, payments, loan and credit management, personal financial management, financial analysis, and other online financial functions; Software as a service (SaaS) services featuring software to allow users to perform electronic business and financial transactions; Software as a service (SaaS) featuring software to allow users to perform electronic banking, lending, investing and financial exchange transactions via a global computer network; Software as a service (SaaS) featuring software for management of electronic funds and providing budgeting tools, investment advice and financial insights about money management; Providing temporary use of online non-downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Providing temporary use of online non-downloadable software for enabling the electronic transfer of money between users; Providing temporary use of online non-downloadable software for enabling processing of electronic funds transfers and payments made via ACH, credit cards, debit cards, prepaid cards, wire transfer, check, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Providing temporary use of online non-downloadable software for capturing, managing, and storing checking accounts, savings accounts, investment accounts, loans, and credit card and debit card information; Software as a service (SAAS) services, namely, hosting software for use by others in online and mobile banking, financial transaction records, personal financial management, loans and bill payments; Providing temporary use of non-downloadable computer software for use by others in online and mobile banking, financial record keeping, financial management, loans and bill payments; Software as a service (SAAS) services for financial account aggregation, screen scraping, compiling data, workflows and applications; Application service provider featuring application programming interface (API); Software to provide financial information and financial services, namely, financial analysis, financial transaction records, management, loans and bill payment; Application service provider featuring application programming interface (API) software for data transfer, data cleansing or screening, data categorization, and data categorization; Software as a service (SAAS) services featuring software for accessing, analyzing and customizing financial information for targeted adverting and marketing; Software as a service (SAAS), featuring software for internet and digital banking, namely, payments, loan and credit management, personal financial management, financial analysis, and other online financial functions; Provision of Web Site development services to providers of retail and wholesale banking services and other financial services, and to organizations chartered under federal or provincial legislation governing co-operatives, as well as those offering financial services; Software as a service (SaaS) services featuring an application programming interface (API) for use in the integration of digital technologies to communicate and exchange financial and non-financial information; Application service provider featuring application programming interface (API) software to allow software users to perform electronic business transactions between companies; Software as a Service (SaaS) services featuring software for the integration of computer systems, applications, data and databases among companies in the financial industry; Consulting services in the field of information technology, computer software selection, installation and operation, network and infrastructure installation, optimization, management, operations and support services to the banking industry in relation to the foregoing services; Computer and technology services in the field of detecting and preventing phishing and cyber-attacks against personal and financial information; application service provider (ASP) services, namely, providing access to computer software applications for use in providing computer network security information, security systems information, for use with financial institutions; Software as a service (SaaS) featuring software for providing security software for the management of cryptographic security of electronic data transmissions across computer networks; Platform as a service (PaaS) services featuring software for monitoring and preventing network security threats to enterprise IT infrastructure, business software, cloud networks, microservices architecture, and servers and databases; Platform as a service (PaaS) services featuring preventing, inspecting, monitoring, detecting, responding to, and eliminating computer security and network security threats; software as a service (SaaS) services featuring software for monitoring and preventing network security threats to enterprise IT infrastructure, business software, cloud networks, microservices architecture, and servers and databases; Software as a service (SaaS) featuring preventing, inspecting, monitoring, detecting, responding to, and eliminating computer security and network security threats; Computer database management; Computer data storage services for others, namely data storage configuration, redundant and backup data storage, data storage system management; consulting services in the fields of computer software, adoption and implementation of electronic data processing systems, cloud computing platforms, internet sites for third parties, information systems and IT project management; Security services for computer networks, information security infrastructures, databases and computer software and applications; Technical and maintenance support services in the form of incident, problem and change management of information systems, correctives and enhancements of computer hardware and computer software and applications; Software as a service (SAAS) services featuring non-downloadable financial software; Design and development software for banking purposes; Design and development software application for to allow users to access their interactive banking services, debit card services; Hosting of the financial applications; Design, development, and hosting of the financial/banking applications; Design, development, and hosting of the Loan Origination Software application.

Activities of a full-service advertising agency, namely advertising and arranging of advertising, in particular development of advertising concepts; corporate identity consultancy, business consultancy and advisory services (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); advertising seminars and conferences relating to business (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); business management, including organisation consultancy, professional business consultancy, in particular in the field of information technology and other computer-related technologies (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); organisation of exhibitions (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); organising commissions for artists (graphic artists, designers) from companies (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations).

Transmission of data from a knowledge or document management system via the Internet; provision of internet access services.

Tuition/training, in particular conducting training courses for the in-house use of rationalisation solutions and program applications; providing information in matters relating to training and further training; publication of books, magazines, journals, periodicals, reports, handbooks, texts (other than advertising texts), computer programs, recorded on data carriers, recordings, sound, image, audio-visual recordings, multimedia recordings and electronic recordings, electronic publishing, multimedia publications (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); organizing and arranging conferences, seminars and symposia; staff training; organising exhibitions (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); rental of works of art.

Advisory services relating to industrial engineering, interior design consultancy, and development of concepts for the design and equipment of company premises with works of art (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); graphic design, fine art or design, namely design of company signs and transformation of existing company signs (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); consultancy relating to data processing systems (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); development, creating, further development and maintenance (improving and updating) of computer programs, and authorisation of the use of computer programs for a fee, subject to special contractual conditions (licences) (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); technical consultancy in communications technology; compiling of technical documentation, in particular operating, maintenance and training instructions for others (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); Internet services, namely maintaining of an information management system via the Internet; technical consultancy for business relating to software and hardware application (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); technical consultancy, in particular relating to software and hardware application, for business management assistance (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations); providing computer programs on the Internet (terms considered too vague by the International Bureau - Rule 13 (2) (b) of the Common Regulations).