Credit union services; financial services rendered to individuals and businesses, namely, accepting deposits and operating savings, chequing and investment accounts, loan and mortgage services, financial planning services, retirement savings plan services, wealth management services, namely, investment management, financial investments in the field of securities, financial investments in the field of mutual funds, and financial management services.

A Telematics device installed in the automobile to be insured. This device will send driver behavior data using a cellular network to validate the requirements and cost of the insurance policy.

Usage based automobile insurance where the cost of the policy is based on various parameters such as distance travelled and/or driver behavior.

Operating a website providing information in the fields of debt management, financial planning and debt settlement negotiation services.

Educational services, namely, seminars, conferences, workshops, classes and training sessions in the field of debt management, financial planning and debt settlement negotiations.

Reconciling, namely, processing credit card, debit card, and gift card transactions via a global computer network; Providing electronic transmission of credit card, debit card, and gift card transaction data, namely, charges.

Advertising, namely dissemination of advertising, for others, via the Internet, and Internet advertising for others using web-banners, creating banners, widgets and landing pages; arranging and conducting incentive reward programs, namely rewarding online consumers with virtual credit or free product for shopping online at specific retailer websites or for lead generation at specific websites; arranging and conducting incentive reward programs, namely facilitating the selection and provision of virtual credit or free product rewards to online consumers when shopping online at specific retailer websites; arranging and conducting incentive reward programs for lead generation at specific websites; presentation of goods and services of others on communications media, namely television, magazines, internet for retail purposes; promoting the goods and services of others, namely providing coupons, rebates, certificates and vouchers for the goods of others; accounting for electronic order systems; finance, namely, financial analysis, financial appraisals, financial management, financial advisory, providing financial information; monetary affairs involving the transfer of payment proceedings via the Internet, namely, electronic processing and transmission of bill payment data; financial services, namely, enabling transfer of funds and purchase of products and services offered by others, all via electronic communication networks; clearing and reconciling financial transactions via electronic communication networks; financial clearing house services, general information clearing house services; providing a wide variety of payment and financial services, namely credit card services, processing and transmission of bills and payments relating thereto, payment services, providing guaranteed payment delivery; financial services, namely providing financial fraud protection and prevention and dispute resolutions services; providing access to micro-accounting systems (software-based accounting systems for small amounts) for service provision and the use of services on the Internet and by means of mobile and fixed network telephones.

Employee assistance program services; Employee assistance counseling services; Employee psychotherapy services.

Provision of investment, retirement and pension plan advisory and management services.

Telecommunications, multimedia and interactive telecommunications and information technology equipment, namely, telephones, cell phone accessories, modems, handheld computers, residential and business local area wireless antennas, aerials, prepaid phone service cards, carrying cases and pouches, microphones, electrical adapters for use in connection with the foregoing telecommunications equipment, headsets, telephone and handheld computer mounts, batteries and chargers for such telecommunications equipment, faceplates, answering machines, cameras, external memory storage devices for such telecommunications equipment, user manuals; phone cards; computer games.

Telecommunications, multimedia and interactive telecommunications, information technology services, namely, local, long-distance and international telephone and telephony services; voice activated dialing services; prepaid calling card services; e-mail services; voice e-mail services; text and picture messaging services used as a supplement to and in connection with telecommunications services; paging services; on-line text, video and data recording, storage and distribution services related to content generated by or used in connection with cell phones; facsimile mail services; internet browsing services; directory assistance services; call display services; cellular network services; mobile communication services; providing pricing plans, rate plans and rate plan bundles for wired and wireless telecommunications; providing internet access, providing search tools on the internet and providing access to a global computer information network using the wireless telecommunications devices described above; providing wireless reception and transmission of messages, global computer network e-mail and other data that enables the user to keep track of or manage personal information and that synchronizes data between a remote station or unit and a fixed or remote station or unit; telecommunications services, namely, bundles allowing customers to reach cellular phones, voicemail and call routing between wireline and wireless phones and voicemail boxes; secure network access services, namely, internet, electronic mail services and local area network access services via a wireless device; providing access to downloadable content permitting the user to personalize the sound made when there is an incoming call to the wireless communication device; ring tone selection services; graphic image services permitting users to download graphics from the internet; picture and multimedia message services permitting the user to capture pictures, sounds or video and send those content objects using their wireless communications devices; the provision of television programs on mobile telecom devices; providing access to music downloads selected from a music catalogue or through a browser suitable for a wireless telecommunications device; developing, distributing and providing access to downloadable games, software, programs and applications; electronic funds transfer services; services allowing users to conduct financial and commercial transactions online, using secured access offered over a telecommunications and data network; electronic commerce solutions for buying and selling over the internet; providing access to a global positioning system (gps) application combined with a cellular network; supplying and advising with respect to the selection, installation, operation, maintenance, repair, refurbishing and repurchase of telecommunications services; operating retail outlets and stores, websites, virtual stores, or any other centralized locations for the sale, rental, demonstration, promotion, consultation, installation, maintenance, repair, refurbishing and repurchase of telecommunications and related accessories and services; operating client care, information helplines and operations services regarding the provision of telecommunications, multimedia and information technology equipment and related accessories and services; operating a promotional incentive award and loyalty program allowing customers to earn and redeem points and coupons; picture and multimedia services permitting users to capture and download pictures, graphics, sounds or video and to send those content objects using their telecommunications devices.