Apparatus for recording, transmission or reproduction of sound or images; magnetic data carriers, recording discs; compact discs, DVDs and other digital recording media; data processing equipment, computers; computer software; computer hardware and software platform for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; mechanisms for coin operated apparatus; cash registers; data processing equipment; computer hardware; computer programs; accounting machines; magnetic recording supports; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; automatic tellers and cash machines for banking establishments; encoders and decoders; modems; computer hardware and software for facilitating payment transactions by electronic means; 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); security encoded cards; cards encoded with security features for authentication purposes; hologram impregnated cards; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers, electronic data carrier cards, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications equipment; 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); electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash dispensing machines; computer peripheral devices and electronic goods, namely calculating machines, pocket planners, personal digital assistants (PDAs) and alarms; computer databases; computer software for database management; transfer agency computer software and computer software related to distribution of mutual funds and investment products; computer software related to the voting of shares or other financial instruments and securities;computer software related to voting; voting machines.

Insurance; financial affairs; monetary affairs; real estate affairs; accident insurance underwriting; actuarial services; banking; home banking; brokerage; business liquidation services; financial capital investments; cheque (check) verification; financial clearing; financial consultancy; insurance consultancy; credit bureaux; credit card services; credit cards (issuance of); debit card services; debt collection agencies; financial evaluation (insurance, banking, real estate); money exchange; factoring; fiduciary; financial management; financial sponsorship; financing services; fiscal assessments; fund investments; electronic funds transfer; guarantees; hire purchase financing; financial information; insurance information; instalment loans; insurance brokerage; insurance underwriting; capital investment; issue of tokens of value; issuing of travellers cheques (checks); lease purchase financing; leasing of real estate; lending against security; life insurance underwriting; loans (financing); mortgage banking; mutual funds; provident fund services; retirement payment services; safe deposit services; securities brokerage; stock exchange quotations; stocks and bonds brokerage; surety services; transfer of electronic funds; fiscal valuations; financial and investment management services and administration; advisory services relating to financial and investment management services and administration; analysis services relating to financial and investment management services and administration; consultation services relating to financial and investment management services and administration; record keeping and information services relating to financial and investment management services and administration; fixed income investment services; mutual fund investment services; transfer agent services; investment underwriting services; securities brokerage services; investment trust services; issue and administration of life insurance and annuity contracts; reinsurance of life insurance and annuity contracts of other licensed insurers; administration of investment accounts consulting services in the field of transfer agencies and mutual fund distribution; investment brokerage services; investment management services; management of investment portfolios; investment advisory services; investment analysis; financial information services for investors; financial information services relating to private equity and private equity investment; financial information services relating to financial stock markets and financial bond markets; financial information services relating to currencies; financial information services relating to commodities and to businesses; financial and investment consultancy and advisory services; design and development of investment funds and structured products relating to investment funds and private equity and private equity investment; financial services namely banking services; electronic credit and debit transaction services; bill payment and presentment services; cash disbursement services; check cashing services; deposit access and automated teller machine services; transaction authorization and settlement services; transaction reconciliation services; cash management services; consolidated funds settlement and consolidated dispute processing services; client profile financial information services; settlement, reconciliation and funds movement services; electronic payment processing services; payment transaction authentication and verification services; value exchange services; secure electronic cash transactions; electronic cash transmissions over public computer networks to facilitate electronic commerce; providing financial information; electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of consumer credit; financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means namely payment services through wireless devices; the provision of financial services for the support of retail services provided online through electronic networks; financial analysis and consultation; insurance services; banking and credit services; bill payment services; processing of financial transactions both online 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; verification of financial information; maintenance of financial records; 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; issuing and redemption services 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; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided online through networks or other electronic means using electronically digitised 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; online banking; financial services provided over the telephone and by means of a global computer network or the Internet; provision of financial services by means of a global computer network or the Internet; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; 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; 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; 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; research services relating to real estate selection; mortgage financing and asset securitization; consulting services regarding payment solutions; consulting services regarding banking; consulting services regarding credit cards; consulting services regarding debit cards and payment cards; consulting services regarding automatic teller machines; financial services in the nature of providing online stored value electronic accounts in an electronic environment; cash management services namely cash disbursement services and transaction authorization; authentication and debt settlement services; electronic commerce payment services in the nature of establishing funded accounts used to purchase goods and services on the Internet; financial transaction services in the nature of providing secure clearing commercial transactions via electronic communication networks; payment services provided through electronic communications networks; information, advice and consultancy services relating to all the aforesaid.

Insurance; financial affairs; monetary affairs.