Business management services, namely services in relation to strategy, development and tactical support, credit risk strategies, customer performance, solutions to customer related business problems, fraud and risk management; advertising services, namely advertising the wares and services of others; developing promotional campaigns for business; business management; business administration; business consultancy, namely business administration consultancy and business management consultancy; business risk management consultancy; preparing business reports, including expert evaluations and reports relating to business matters; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing services, namely the development of marketing strategies and concepts; business marketing, namely direct mail consulting services; statistical evaluations of marketing data; market research services; marketing studies; preparation and distribution of statistical business information; preparation of statements of accounts; book-keeping; business research; publication of publicity brochures, leaflets and newsletters; issuing of publicity leaflets; organisation and management of customer loyalty and reward schemes; management of telephone call centers; database management; management and compilation of information into computer databases; computer database management; insurance services; travel accident insurance; financial support services to credit card customers in the event of loss of credit cards; financial advice, consultancy, research and information services; preparation of financial reports and analysis; financial risk management consultancy; financial affairs, monetary affairs, financial services, financial institution services and credit services, all namely providing credit card, debit card, charge card and stored value prepaid card services; promoting the sale of goods and services through a consumer discount and loyalty card and program; cash disbursement services, namely cash disbursement authorization and processing services, stored value deposit access services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value; bill payment services; credit card, debit card, charge card, pre-paid card and stored value card services; cheque verification and cheque cashing services; automated teller machine services; processing of financial transactions both on-line via a computer database or via telecommunications 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; financial settlement and financial authorisation services in connection with the processing of financial payment transactions; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; payer authentication services, namely the authentication of card holder information in connection with the processing of financial payment transactions; verification 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, namely authorizing financial transactions remotely; 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, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (RFID transponders), namely authorizing and processing of debit and credit transactions conducted using RFID devices; provision of debit and credit services by means of communication and telecommunication devices, namely authorizing and processing of debit and credit transactions conducted using RFID devices, cellular phones, PDA’s, telephones, and the Internet; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; processing of credit and debit transactions by telephone, the Internet, cellular phone networks and satellite; value exchange services, namely, authorizing and facilitating the secure exchange of financial value, including electronic cash, over computer networks accessible by means of cards containing an integrated circuit chip ('smart cards'); bill payment services provided through a website; real estate services; real estate property services; real estate valuations; real estate investment management; real estate investment 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 of 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 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; computerised 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 selection; mortgage financing and asset securitisation; the following financial services connected with the provision of financial products provided through mobile telecommunications means, connected with the provision of financial products provided on-line through networks or other electronic means using electronically digitised information, in the fields of legal assistance, identity fraud, price protection, health, health care, robbery, theft, assault and hospitalization, for the support of retail services provided through mobile telecommunications means including payment services through wireless devices, for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information, provided over the telephone and by means of a global computer network or the Internet, and provided by means of a global computer network or the Internet, namely financial support services to credit card customers in the event of loss of credit cards, financial advice, consultancy, research and information services, preparation of financial reports and analysis, financial risk management consultancy, financial affairs, monetary affairs, financial services, financial institution services and credit services, all namely providing credit card, debit card, charge card and stored value prepaid card services, cash disbursement services, namely cash disbursement authorization and processing services, stored value deposit access services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value, bill payment services, credit card, debit card, charge card, pre-paid card and stored value card services, cheque verification and cheque cashing services, automated teller machine services, processing of financial transactions both on-line via a computer database or via telecommunications 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, financial settlement and financial authorisation services in connection with the processing of financial payment transactions, travel insurance services, issuing and redemption of travellers cheques and travel vouchers, payer authentication services, namely the authentication of card holder information in connection with the processing of financial payment transactions, verification 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, namely authorizing financial transactions remotely, 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, and transaction authorisation and settlement services, provision of debit and credit services by means of radio frequency identification devices (RFID transponders), namely authorizing and processing of debit and credit transactions conducted using RFID devices, provision of debit and credit services by means of communication and telecommunication devices, namely authorizing and processing of debit and credit transactions conducted using RFID devices, cellular phones, PDA’s, telephones, and the Internet, cheque verification services, issuing and redemption services all relating to travellers cheques and travel vouchers, processing of credit and debit transactions by telephone, the Internet, cellular phone networks and satellite, value exchange services, namely, authorizing and facilitating the secure exchange of financial value, including electronic cash, over computer networks accessible by means of cards containing an integrated circuit chip ('smart cards'), bill payment services provided through a website, real estate financing, administration of financial affairs relating to real estate, 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 the provision of finance for real estate purchase, 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.

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.

Consolidated presentation through mailings or through the Internet of the goods and services of multiple merchants, and facilitating the purchase of such goods and services through the Internet and through other telecommunications means; customer purchase behaviour analysis; business consultation services, namely providing advice on advertisement targeting; promoting the sale of goods and services of others by means of coupons, rewards, discounts, advertisements, and incentives generated in connection with the use of credit and debit cards, (2) advertising services, namely advertising the wares and services of others; 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; book-keeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; credit card and debit card transaction services for retail purchases made through mobile telecommunications; credit card and debit card transaction services for retail purchases made online; computer database management; promoting the sale of goods and services of others by means of coupons, discounts, advertisements, and incentives generated in connection with the use of credit and debit cards; insurance services; credit services; providing credit card, debit card, charge card and stored value prepaid card services; payment, credit, debit, charge, cash disbursement, stored valued deposit access services; bill payment services; credit card, debit card, 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 or via telecommunications 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; financial transaction settlement and authorisation 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 authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smart cards; bill payment services providing through a website; on-line financial institution transaction services; the above financial services provided over the telephone and by means of a global computer network or the internet; provision of the above financial services by means of a global computer network or the internet; real estate services; real estate property services; real estate valuations; real estate investment management; real estate investment 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; arranging of 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 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; 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; computerised 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 selection; provision of the above financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; provision of the above financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; the above financial services relating to real estate property and buildings; the above financial services for the purchase of real estate; the above financial services relating to the acquisition of property; the above financial services relating to the sale of property

Facilitating the transaction of business-to-business payments via the Internet or private networks; facilitating the payment of suppliers and vendors by corporations via the Internet or private networks; electronic payments between buyers, sellers and financial institutions through a centralized network; automated payment services utilizing a web portal for receipt of payment information from corporate enterprise resource and account payable systems and the transfer of remittance data.

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.

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, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip ('smart cards'); charge cards, bank cards; credit cards, debit cards and payment cards; card 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, banking and telecommunications industries; and electronic verification apparatus for verifying authentication of charge cards, bank 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, cash disbursement services, transaction authorization and settlement services; cheque verification services; issuing and redemption services all relating to travellers' cheques and travel vouchers; advisory services relating to all the aforesaid services.

Financial services, namely, credit and debit services; providing credit card, debit card, charge card and stored value prepaid card services; bill payment services; credit card, debit cards, charge card, pre-paid card and stored value card services; remote payment services; provision of debit and credit services by means of radio frequency identification devices (transponders).

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.

Computer hardware; computer software and computer programs related to financial services, namely, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions and for the processing of financial transactions via credit, debit, and smart cards; 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, banking and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip ('smart cards'), namely charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment, namely point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; vending machines; paper, cardboard, goods made from these materials, printed matter, artists’ materials, instructional and teaching material (except apparatus), and plastic materials for packaging, all namely advertising and promotional material for distribution by others in the promotion of their wares and services in the financial services industries, namely brochures, leaflets, newsletters, print copies of advertisements, electronic image files for use in advertisements; photographs; stationery, namely pens, pencils, markers; adhesives for stationery or household purposes; paint brushes; typewriters; playing cards; printers' type; printing blocks; printed publications, namely, pamphlets, brochures, newspapers, journals and magazines, all relating to banking.

Insurance services; financial services related to payment cards and credit cards, namely credit card and debit card 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 and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation 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 related to payment cards and credit cards, namely credit card and debit card services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services related to payment cards and credit cards, namely credit card and debit card services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; services in the accessibility, storage and utilisation of a store of digitised electronic information representing monetary value in hand-held technology accessible to use by an individual; bill payment services provided through a website; financial services related to payment cards and credit cards, namely credit card and debit card services provided over the telephone and by means of a global computer network or the internet; digital imaging services; printing of digital images onto payment cards; the provision of payment cards bearing customized images.