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; scientific apparatus and instruments; magnetic data carriers, recording discs; mechanisms for coin operated apparatus; cash registers; data processing equipment; computers, computer hardware, computer software and computer programs; telecommunication and electrical apparatus and instruments, namely, apparatus for the registration, transmission and reproduction of data including sound and images; accounting machines; apparatus for registration, transmission, reproduction of data including sound and images; 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 card containing an integrated circuit chip (''smart cards''); security encoded cards; cards encoded with security features for authentication purposes; cards encoded with security features for identification 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, magnetic coded card readers, electronic data carrier card readers, 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; software for the transmission, authentication, encryption and protection of credit card, debit card and payment card information over computer networks including the internet; software products for secure protected online credit card, debit card and payment card transactions; software for facilitating secure credit card, debit card and payment card transactions; software products for secure protected online payments; software which enables credit card, debit card and payment card users to make payment transactions without revealing personal credit card account details; prepaid telephone calling cards.

Paper, cardboard and goods made from these materials, namely albums, announcement cards, stickers, pictures, pads, booklets, writing paper, pamphlets, diagrams, labels (not of textile), flyers, forms (printed), manuals, envelopes, calendars, index cards, catalogues, credit cards imprinters (non-electric), note books; printed matter; bookbinding material; photographs; stationery; adhesives for stationery or household purposes; artists' materials; paint brushes; typewriters and office requisites (except furniture); instructional and teaching material (except apparatus); plastic materials for packaging (not included in other classes); printers' type; printing blocks; printed publications, pamphlets, brochures, newspapers, journals and magazines, manuals, printed matter all relating to banking; credit cards, debit cards, (other than encoded); magazines.

Advertising; Business management; Business administration; Office functions; Accounting; Administrative processing of purchase orders; Advertising by mail order; Arranging newspaper subscriptions for others; Arranging subscriptions to telecommunication services [for others]; Auctioneering; Auditing; Bill-posting; Business appraisals; Business information; Business inquiries; Business investigations; Business management and organization consultancy; Business management assistance; Business management consultancy; Business management of hotels; Business management of performing artists; Business management of sports people; Business organization consultancy; Business research; Commercial administration of the licensing of the goods and services of others; Commercial information agencies; Commercial information and advice for consumers [consumer advice shop]; Commercial or industrial management assistance; Compilation of information into computer databases; Compilation of statistics; Consultancy (professional business-); Cost-price analysis; Data search in computer files for others; Demonstration of goods; Direct-mail advertising; Dissemination of advertising matter; Distribution of samples; Document reproduction; Economic forecasting; Efficiency experts; Employment agencies; Fashion shows for promotional purposes (Organization of -); Import-export agencies; Invoicing; Layout services for advertising purposes; Management (advisory services for business-); Management (computerized file-); Marketing; Marketing research; Marketing studies; Modelling for advertising or sales promotion; News clipping services; Office machines and equipment rental; On-line advertising on a computer network; Opinion polling; Organization of exhibitions for commercial or advertising purposes; Organization of trade fairs for commercial or advertising purposes; Outsourcing services [business assistance]; Payroll preparation; Personnel management consultancy; Personnel recruitment; Photocopying services; Presentation of goods on communication media for retail purposes; Price comparison services; Procurement services for others [purchasing goods and services for other businesses]; Production of advertising films; Psychological testing for the selection of personnel; Public relations; Publication of publicity texts; Publicity; Publicity agencies; Publicity columns preparation; Publicity material rental; Radio advertising; Relocation services for businesses; Rental of advertising space; Rental of advertising time on communication media; Rental of photocopying machines; Rental of vending machines; Sales promotion for others; Secretarial services; Shop-window dressing; Shorthand; Sponsorship search; Statements of accounts (Drawing up of -); Systemization of information into computer databases; Tax preparation; Telemarketing services; Telephone answering for unavailable subscribers; Television advertising; Transcription; Typing; Updating of advertising material; Word processing; Writing of publicity texts; Business management and advisory services; marketing consulting services; market research services; tracking, analyzing, forecasting and reporting cardholder purchase behavior; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards; administration of loyalty and rewards programs; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing studies; statistical information (business); preparation of statements of accounts; book-keeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; computer database management; data processing and data verification services; data storage and retrieval services; promoting concerts and cultural events of others, organization of expositions having commercial or advertising purposes; advertising for transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing, for tourist agencies services, and for information relating to tariffs, timetables and methods of transport and travel arrangement; providing information regarding purchase of goods and services on-line via the Internet and other computer networks; data repository and client profile information services; information, advisory and consultancy services relating to all the aforesaid services.

Insurance; Financial affairs; Monetary affairs; Real estate affairs; Accident insurance underwriting; Accommodation bureaux [apartments]; Actuarial services; Analysis (financial-); Antique appraisal; Apartment house management; Art appraisal; Banking; Brokerage; Brokerage of carbon credits; Business liquidation services, financial; Charitable fund-raising; Check [cheque] verification; Clearing, financial; Credit bureaux; Credit-card services; Customs brokerage; Debit card services; Debt collection agencies; Deposits of valuables; Evaluation of wool (Financial -); Exchanging money; Factoring; Fiduciary; Financial consultancy; Financial evaluation [insurance, banking, real estate]; Financial information; Financial management; Financial sponsorship; Financing services; Fire insurance underwriting; Fiscal assessments; Fund investments; Guarantees; Health insurance underwriting; Hire purchase financing; Home banking; Housing agents; Instalment loans; Insurance brokerage; Insurance consultancy; Insurance information; Insurance underwriting; Issuance of credit cards; Issue of tokens of value; Issuing of travellers' checks [cheques]; Jewellery appraisal; Leasing of farms; Leasing of real estate; Lending against security; Life insurance underwriting; Loans [financing]; Marine insurance underwriting; Mortgage banking; Mutual funds; Numismatic appraisal; Organization of collections; Pawn brokerage; Provident fund services; Real estate agencies; Real estate appraisal; Real-estate management; Rent collection; Rental of offices [real estate]; Renting of flats; Repair costs evaluation [financial appraisal]; Retirement payment services; Safe deposit services; Savings bank services; Securities brokerage; Stamp appraisal; Stock exchange quotations; Transfer (electronic funds-); Valuation of standing timber (Financial -); Financial services, namely banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, data repository and client profile information services, and related switching, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, electronic funds transfer, providing financial information, namely credit and debit card data and reports, financial records management, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, 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 on-line, through electronic networks; financial analysis and consultation; insurance services; financial affairs, monetary affairs; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; banking, 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 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; verification of financial information; maintenance of financial records; electronic funds transfer and currency exchange services; remote payment services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments 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; 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; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, 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; on-line 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; 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 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; 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; consulting services regarding payment solutions, banking, credit card, debit card, payment card and automatic teller machine services; provision of information from a computer-stored data bank or via the internet in the field of financial services; provision of credit cards and debit cards through mobile telecommunications means; provision of credit cards and debit cards provided on-line, through networks or other electronic means using electronically digitised information; information, advisory and consultancy services relating to all the aforesaid services.

Computer hardware, computer software and computer programs; 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; procurement cards; 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; encoded customer loyalty cards; multifunction cards for financial and banking services; computer software designed to enable smart cards to interact with terminals and readers; software relating to the organisation, operation, management and supervision of sales and promotional incentive and reward schemes and promotional services; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; electronic publications; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and staring transaction, identification and financial information for use in the financial services, banking and telecommunications industries; computer software for conducting transactions involving procurement, purchasing, and payment through electronic means; computer software for currency conversion, for account management and migration, and for data scrubbing and aggregation; computer software for facilitating payment transactions and reward redemption by electronic means; operating software for facilitating payment transactions and reward redemption by electronic means; operating software for use in connection with electronic procurement systems; 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.

Printed matter and printed publications; printed matter, printed publications, magazines, leaflets, pamphlets, tickets and vouchers, all relating to promotional incentives, rewards and customer loyalty schemes; membership cards for customer loyalty schemes.

Market research services; market research services in the nature of measuring, impression measuring, tracking, and demographic modeling of audiences for online media and online advertisements; market research services in the nature of tracking and measuring audience viewing of, exposure to, and reactions to online advertisements; Preparing market reports and studies from the aforesaid marketing information and research; market research service in the nature of conducting online advertising campaign measurement and analysis, and demographic studies for others; market research services in the nature of conducting audience validation services to verify the market impressions and demographics.

Computer hardware, computer software and computer programs; computer hardware, computer peripherals and software for use in electronic and wireless business and consumer transactions, namely computer hardware, peripherals and software to facilitate payments by electronic and wireless means; computer hardware and software to facilitate access to payment accounts for the purpose of commerce by electronic and wireless means, computer hardware in the nature of devices containing an integrated circuit chip and proximity payment devices known as transponders; hardware comprising electronic scanners that are used with magnetic activation devices including cards, key fobs and tags; transponders comprising assemblies of an electronic circuit and a radio antennae, that are used with electronic scanners; computer devices for the management of data; computer hardware and software for encryption and secure data storage and retrieval and transmission of customer, account and transaction information used by individuals, banking and financial institutions; magnetic encoded cards, optical scanning devices and smart cards containing and integrated circuit chip; magnetically encoded charge cards, bank cards, credit cards, debit cards and payment cards, card readers for magnetically encoded cards and cards containing an integrated circuit chip; computer software designed to enable magnetically or optically coded cards and smart cards containing an integrated circuit chip to interact with terminals and card readers in the financial services industry; telecommunications equipment, namely electronic 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; wireless telecommunications equipment, namely, transponders; electronic verification apparatus, namely computer hardware and software for authenticating charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Insurance services, financial services, namely banking and 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 and currency transfer services, electronic payment 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 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 digitised information; services in 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 web site; on-line banking; financial services provided over the telephone and 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; 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 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; 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.

Computer hardware, computer software and computer programs; computer hardware, computer peripherals and software for use in electronic and wireless business and consumer transactions, namely computer hardware, peripherals and software to facilitate payments by electronic and wireless means; computer hardware and software to facilitate access to payment accounts for the purpose of commerce by electronic and wireless means; computer hardware in the nature of devices containing an integrated circuit chip and proximity payment devices known as transponders; hardware comprising electronic scanners that are used with magnetic activation devices including cards, key fobs and tags transponders comprising assemblies of an electronic circuit and a radio antennae, that are used with electronic scanners; computer devices for the management of data; computer hardware and software for encryption and secure date storage and retrieval and transmission of customer, account and transaction information used by individuals, banking and financial institutions; magnetic encoded cards, optical scanning devices and smart cards containing an integrated circuit chip; magnetically encoded charge cards, bank cards, credit cards, debit cards and payment cards, card readers for magnetically encoded cards and cards containing an integrated circuit chip; computer software designed to enable magnetically or optically coded cards and smart cards containing an integrated circuit chip to interact with terminals and card readers in the financial services industry; telecommunications equipment, namely electronic 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; wireless telecommunications equipment namely, transponders, electronic verification apparatus, namely computer hardware and software for authenticating charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Insurance services, financial services, namely banking and 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 and currency transfer services, electronic payment 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 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 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 web site; on-line banking; financial services provided over the telephone and by means of a global computer network or the internet; real estate services; real estate property services; 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 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; computerised information services relating to real estate; consultancy 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.

Computer hardware, computer software and computer programs; computer hardware, computer peripherals and software for use in electronic and wireless business and consumer transactions, namely computer hardware, peripherals and software to facilitate payments by electronic and wireless means; computer hardware and software to facilitate access to payment accounts for the purpose of commerce by electronic and wireless means; computer hardware in the nature of devices containing an integrated circuit chip and proximity payment devices known as transponders; hardware comprising electronic scanners that are used with magnetic activation devices including cards, key fobs and tags transponders comprising assemblies of an electronic circuit and a radio antennae, that are used with electronic scanners; computer devices for the management of data; computer hardware and software for encryption and secure date storage and retrieval and transmission of customer, account and transaction information used by individuals, banking and financial institutions; magnetic encoded cards, optical scanning devices and smart cards containing an integrated circuit chip; magnetically encoded charge cards, bank cards, credit cards, debit cards and payment cards, card readers for magnetically encoded cards and cards containing an integrated circuit chip; computer software designed to enable magnetically or optically coded cards and smart cards containing an integrated circuit chip to interact with terminals and card readers in the financial services industry; telecommunications equipment, namely electronic 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; wireless telecommunications equipment namely, transponders, electronic verification apparatus, namely computer hardware and software for authenticating charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Insurance services, financial services, namely banking and 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 and currency transfer services, electronic payment 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 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 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 web site; on-line banking; financial services provided over the telephone and by means of a global computer network or the internet; real estate services; real estate property services; 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 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 porftolio 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; consultancy 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.

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.

Business management and advisory services; marketing consulting services; market research services; provision of tracking, analyzing, forecasting and reporting card holder purchase behaviour in connection with the acquisition of goods and services purchased by way of credit cards and debit cards; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards; administration of loyalty and rewards programs.

Insurance services; financial affairs; monetary affairs; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; banking, payment, credit, debit, charge, cash disbursement, stored value 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 the 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 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; 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 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; on-line 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; 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 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 valuationof 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 realting 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.

Entertainment and education services; provision of electronic publications (not downloadable); providing on-line electronic publications; publication of electronic books and journals on-line; providing publications from a global computer network or the Internet which may be browsed; information relating to education and entertainment services; arranging and conducting of conferences, seminars, exhibitions and symposiums, training courses, lectures.

Financial services; electronic payment services; financial services, namely banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services; financial services, namely cash disbursement, cheque verification, cheque cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement; financial services, namely consolidated dispute processing, data repository and client profile information services, and related switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services; financial services, namely payment transaction authentication and verification services, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; financial services, namely electronic funds transfer, providing financial information, namely credit and debit card data and reports, financial records management, 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 on-line, through electronic networks; financial analysis and consultation; insurance services; financial affairs, monetary affairs; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; banking, 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 cheque cashing services; automated teller machine 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; financial authentication services; payer authentication services; verification of financial information; maintenance of financial records; electronic funds transfer and currency exchange 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); provision of debit and credit services by means of communication and telecommunication devices; 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; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, 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; on-line 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; 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 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; 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 securitization; consulting services regarding payment solutions, banking, credit card, debit card, payment card and automatic teller machine services; services for the provision or display of information from a computer-stored data bank or via the Internet in the field of financial services; financial services, namely, providing a wide range of information and data analysis to financial institutions; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; information, advisory and consultancy services relating to all the aforesaid services.

Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software; computer hardware and software consulting services; software services; software as a service (SaaS); providing temporary use of nondownloadable computer software for comparing and customizing benefits solutions and enhancements on credit and debit card programs; computer programming; support and consultation services for managing computer systems, databases and applications; application software provider (ASP) featuring software for receiving, transmitting and displaying vouchers, coupons, voucher codes, special offers, reviews, product information, price comparison information, links to websites, and receiving and transmitting data for the purchase of goods and services; graphic design for the compilation of web pages on the internet; information relating to computer hardware or software provided on-line from a global computer network or the internet; creating and maintaining web-sites; hosting the web-sites of others; creation of web pages; the design, creation and hosting of merchant websites; the designing, creation and hosting of bill payment websites; computer and Internet related services namely, providing on-line electronic databases via a global computer network in the field of identity authentication and verification; data encryption and decryption of financial information; digital signature authentication services for authentication of others, namely, data encryption and data integrity; providing for others encrypted and digitally signed and authenticated data for use in issuance, and validation of digital certificates in the field of document authentication; digital certificate verification, authentication, issuance, distribution and management; technical consultation services in the fields of computer programming, financial computer networks, data processing, secure communications, data encryption and decryption and local area network security; electronic capture of invoices; providing online non-downloadable computer software for accounts payable invoicing and payment functions via a hosted, online service; information, advisory and consultancy services relating to all the aforesaid services.