Electrical and scientific goods namely, magnetically encoded credit cards; magnetically encoded debit cards; magnetically encoded cards and cards containing an integrated circuit chip ('smart cards') for financial applications; magnetically encoded cards, smart cards and integrated circuit cards for use as credit, stored value, security identification, access and record storage cards; and smart cards and magnetic cards containing programming used to secure electronic transmission of financial data and information.

Financial services, namely, payment card services; providing credit card, debit card, charge card and stored value prepaid card services; remote payment services, namely, providing electronic funds and currency transfer services; electronic payments services, namely, electronic cash transactions, namely, cash disbursement services; credit card verification services; check verification services.

Financial services, namely credit services, providing credit card, debit card, charge card and stored value prepaid card services, remote payment services, stored value electronic purse services, providing electronic funds, currency transfer and money transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services, provision of debit and credit services by means of radio frequency identification devices (transponders), clearing and reconciling financial transactions via a global computer network, person-to-person and person-to-business money transfer and payment services transacted by means of a computer network, payroll and benefits payment services, payment remittance services, electronic transmission of money from customer to customer, electronic transmission of bill and payment data, travel insurance services, cheque verification services, issuing and redemption services all relating to travellers cheques and travel vouchers, electronic bill payment services provided through a website, and services in the accessibility, storage and utilisation of a store of digitised information representing monetary value in hand-held technology accessible to use by an individual; the provision of the above financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of the above financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; the above financial services provided over the telephone and by means of a global computer network or the internet.

Financial services, namely electronic processing of business-to-business payments and associated remittance data; providing electronic bill presentment and payment services to billers, customer service provider organizations and payment providers; providing secure electronic delivery of billing remittance data and funds generated by remote transmission of funds, walk-in payment providers, balance transfer providers, and credit counseling payment providers; electronic transmission of bills and payment of such bills via computer terminals connected to networks and the global computer network; electronic funds and currency transfer services, transaction authorization and settlement services; providing the secure electronic delivery of remittance data and funds; communication services, namely, processing and transmitting billing and remittance data over a global computer information network.

Financial services, namely electronic processing of business-to-business payments and associated remittance data; providing electronic bill presentment and payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to electronic funds and currency transfers; processing and transmitting billing and remittance data for others over a global computer information network.

Insurance services; financial services; namely providing credit card, debit card, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices known as transponders; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; services in the accessibility, storage and utilization of a store of digitized electronic information representing monetary value in hand-held technology accessible to use by an individual; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the internet.

Financial services; namely credit services; providing credit card, debit card, charge card and stored value prepaid card services; stored value electronic purse services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value, including for use through hand-held units, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, namely cash disbursement authorization and processing services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices known as transponders; travel insurance services; cheque verification services; issuing and redemption services all relating to travelers cheques and travel vouchers; bill payment services provided through a website; on-line financial institution transaction services; financial services, namely payment card services, provided by means of a global computer network or the internet.

Computer hardware, computer software designed to facilitate micro-payments to internet retailers, merchants and content providers; computer software comprising a digital or electronic wallet for storage of value in a centralized database; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip (‘smart cards’), namely charge cards, financial institution cards, credit cards, debit cards and payment cards; charge cards, financial institution cards; credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, financial institution and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, financial institution cards, credit cards, debit cards and payment cards.

Financial services namely providing credit card, debit card, charge card, and stored value pre-paid cash services; credit services; providing payment card services; stored value electronic purse services; payment services involving micro-payments to internet retailers, merchants and content providers with information stored in a centralized database; providing micro-payment services for internet content, including electronic documents, photographs and information, electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, travel insurance services; transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all in the field of travellers' cheques and travel vouchers; advisory services in the fields of all the aforesaid services.

Computer hardware, computer software designed to facilitate micro-payments to internet retailers, merchants and content providers; computer software comprising a digital or electronic wallet for storage of value in a centralized database; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip ('smart cards'); charge cards, financial institution transaction cards; credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, financial institution and telecommunications industries; radio frequency identification (RFID) transponders; and electronic financial transaction card verifiers for verifying authentication of charge cards, financial institution transaction cards, credit cards, debit cards and payment cards.

Financial services namely providing credit card, debit card, charge card, and stored value pre-paid cash services; credit services; providing payment card services; stored value electronic purse services; payment services involving micro-payments to internet retailers, merchants and content providers with information stored in a centralized database; providing micro-payment services for internet content, including electronic documents, photographs and information, electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, travel insurance services; transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers' cheques and travel vouchers; advisory services relating to all the aforesaid services.

Advertising, namely, promoting the goods and services of others, namely the promotion of live entertainment events, and the administration and promotion of loyalty programs, discount programs and giveaway-based incentive programs, all such promotional services being performed through the distribution of coupons, promotional contests, distribution of printed advertising, broadcasting of advertisements by telecommunication, discount programs, incentive programs, and loyalty programs; business management; business administration; commercial, industrial and business management assistance; business appraisals; advisory services for business management; market research; marketing studies; statistical information (business); preparation of statements of accounts; bookkeeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; retail services provided through mobile telecommunications means, namely payment services through wireless devices; retail services provided on-line and through networks using electronically digitized information; computer database management; association services, namely, promoting the interests of regulated financial institutions; insurance services; financial services, namely, credit and debit services; providing credit card, debit card, charge card and stored value prepaid card services; payment, credit, debit, charge, cash disbursement, stored value deposit access services; bill payment services; credit card, debit cards, charge card, pre-paid card and stored value card services; cheque verification and check cashing services; automated teller machine services; processing of financial transactions both on-line via a computer database, over the telephone, through wireless devices and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; settlement and authorization services; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; payer authentication services; verification of financial information; data encryption and decryption of financial information; maintenance of financial records; electronic funds transfer and currency exchange services; dissemination of financial information via the Internet and other computer networks; remote payment services; stored value electronic purse services; providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of the debit and credit services set out herein by means of communication and telecommunication devices, namely by means of wireless communication devices and over phoneline-based devices; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of the financial services set out herein for the support of retail services, provided through mobile telecommunications devices, including payment services through wireless devices; the provision of the financial services set out herein for the support of retail services, provided on-line through networks using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; the financial services set out herein provided over the telephone and by means of a global computer network or the Internet; provision of the financial services set out herein by means of a global computer network or the Internet; real estate services; real estate property services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging for loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate auctions.

Insurance services; providing credit card, debit cards, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely providing electronic payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information namely administering and providing loyalty programs and discount and promotional incentive programs, online; services in the accessibility, storage and utilisation of a store of digitised information representing monetary value in hand-held technology accessible to use by an individual; bill payment services provided through a website; the above financial services provided over the telephone and by means of a global computer network or the internet; promoting the use of payment cards through discounts and promotional incentives, namely providing coupons and discount offers for the goods and services of others, which coupons and offers may be in paper or electronic formats.

Insurance services; financial services, namely credit services, providing credit card, debit card, charge card and stored value prepaid card services, remote payment services, stored value electronic purse services, providing electronic funds, currency transfer and money transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services, provision of debit and credit services by means of radio frequency identification devices (transponders), clearing and reconciling financial transactions via a global computer network, person-to-person and person-to-business money transfer and payment services transacted by means of a computer network, payroll and benefits payment services, payment remittance services, electronic transmission of money from customer to customer, electronic transmission of bill and payment data, travel insurance services, cheque verification services, issuing and redemption services all relating to travellers cheques and travel vouchers, electronic bill payment services providing through a website, and service in the accessibility, storage and utilisation of a store of digitised information representing monetary value in hand-held technology accessible to use by an individual; the provision of the above financial services for the support of retail services providing through mobile telecommunications means, including payment services through wireless devices; the provision of the above financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; the above financial services provided over the telephone and by means of a global computer network or the internet.