Scientific, nautical, surveying, photographic, cinematographic, optical, weighing, measuring, signalling, checking (supervision), life-saving and teaching apparatus and instruments; apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling electricity; apparatus for recording, transmission or reproduction of sound or images; magnetic data carriers, recording discs; automatic vending machines and mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment and computers; fire-extinguishing apparatus; computer hardware, computer software, computer peripheral devices; integrated circuit memory and bank card memory; smart cards, magnetic coded cards, electronic data carrier cards, charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; blank chip cards; encoded chip cards containing programming used for financial applications, loyalty programs, rewards programs and card holder preferences; electronic apparatus and instruments, computer terminals and computer software for use in the financial services industry, banking and telecommunication industries for authentication, authorisation, clearing and settlement of financial transactions; electrical apparatus and instruments including magnetic coded and electronic data carrier card readers, smart card readers, electronic encryption units, all for the registration, transmission and reproduction of data; systems for reading ,memory cards and systems for reading data featuring integrated circuit memory and bank card memory; coded cards including magnetic cards, cards featuring integrated circuits, smart cards, charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards all for financial applications; apparatus for reading cards including computer dial terminals; encoders and decoders including magnetic coded card readers, electronic data carrier card readers, magnetic coded card readers, electronic data carrier card readers and electronic encryption units; parts and fittings for the aforesaid goods.

Paper, cardboard and goods made from these materials, not included in other classes, namely note pads, folders, business cards, business card holders, stationery-type portfolios, decals, printed forms, posters, signs, application forms, sales and billing forms, mailing folders, stationery writing paper and envelopes, newsletters in the field of financial information and payment programs, non-advertising brochures about financial information and payment programs, magazines featuring financial information and payment programs, pamphlets in the field of financial information and payment programs, informational flyers featuring financial information and payment programs, statement inserts, namely, informational cards and informational flyers pertaining to payment programs; printed matter and printed publications; books; magazines; journals; printed matter and paper goods, namely, note pads, folders, business cards, business card holders, stationery-type portfolios, decals, printed forms, posters, signs, application forms, sales and billing forms, mailing folders, stationery writing paper and envelopes, newsletters in the field of financial information and payment programs, nonadvertising brochures about financial information and payment programs, magazines featuring financial information and payment programs, pamphlets in the field of financial information and payment programs, informational flyers featuring financial information and payment programs, statement inserts, namely, informational cards and informational flyers pertaining to payment programs; photographs, stationery, posters; prints; printed matter for commercial use; printed business forms; printed labels; printed bank cards; printed travellers cheques; printed flowsheets; printed publications, newspapers and periodical magazines; printed instructions; printed display articles; unencoded magnetic cards, bank cards, credit cards, debit cards and payment cards; payment vouchers, travellers cheques, cheques, money orders, credit notes.

Advertising; business management; business administration; office functions; arranging subscriptions to telecommunication services for others; import-export agencies; commercial information agencies; advertising agencies; cost price analyses; rental of advertising space; auditing; employment agencies; computerized file management; accounting; invoicing; demonstration of goods; opinion polling; marketing studies; business information; commercial information and advice for consumers [consumer advice shop]; business investigations; marketing research; personnel recruitment; business management and organization consultancy; personnel management consultancy; business organization consultancy; business management consultancy; professional business consultancy; layout services for advertising purposes; business management of performing artists; news clipping services; updating of advertising material; word processing; Secretarial services; shorthand; organization of exhibitions for commercial or advertising purposes; arranging newspaper subscriptions for others; organization of trade fairs for commercial or advertising purposes; shop window dressing; business appraisals; evaluation of standing timber; evaluation of wool; payroll preparations; data search in computer files for others; sponsorship search; business management assistance; commercial or industrial management assistance; presentation of goods on communication media, for retail purposes; economic forecasting; auctioneering; sales promotion for others; office machines and equipment rental; rental of advertising time on communication media; publicity material rental; Rental of vending machines; rental of photocopying machines; publication of publicity texts; typing; radio advertising; bill-posting; distribution of samples; dissemination of advertising matter; writing of publicity texts; advertising; on-line advertising on a computer network; advertising by mail order; television advertising; document reproduction; compilation of statistics; complication of information into computer databases; business inquiries; systematization of information into computer databases; tax preparation; drawing up of statement of accounts; publicity columns preparation; psychological testing for the selection of personnel; business management of hotels; commercial administration of the licensing of the goods and services of others; administrative processing of purchase orders; public relations; modeling for advertising or sales promotion; relocation services for businesses; price comparison services; procurement services for others [purchasing goods and services for other businesses]; outsourcing services [business assistance]; telephone answering for unavailable subscribers; photocopying; efficiency experts.

Insurance; financial affairs; monetary affairs; real estate affairs; financial services, namely electronic processing of business-to-business payments and associated remittance data; providing electronic bill presentment and payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to electronic funds and currency transfers; processing and transmitting billing and remittance data for others over a global computer information network; bill payment services; bill payment services provided through a website; on-line banking; 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; credit card, debit card, charge card, pre-paid card and stored value card services; cheque verification and cheque cashing 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, 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 in connection with financial transactions, 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; 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, 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; 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; e-money services; e-wallet services and deposit money services by telephone and internet; e-wallet account services, namely the provision of online electronic money accounts and services for consumers and online merchants whereby consumers fund their e-wallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over the Internet; stored-value account processing, namely providing the consumers of merchants (businesses) who pay for goods using credit cards, debit cards or payment cards with an e-wallet account for use in making secure payments to that business; payment processing facilities or payment service provider services to on-line and other merchants (businesses), namely processing payments made by consumers to merchants through multiple channels including on-line and automated telephone; purchaser identity and transaction verification for e-commerce transactions; 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; provision of financial services by means of a global computer network or the Internet for the submission, approval, data capture and reconciliation of purchase requests; consulting services regarding payment solutions, banking, credit card, debit cards, payment cards and automatic teller machine services; implementation of payment solutions; credit risk assessment; reimbursement program management; ebanking services; compliance management; high risk account management; audit-trail analysis, namely analysis of documentation of financial transactions; financial database management; provision of information from a computer-stored data bank or via the Internet in the field of financial services; dissemination of financial information via the Internet and other computer networks.

Household and commercial removals clearance services of furniture and equipment, namely clearance services.

Financial services relating to health, medical and dental care; insurance services; health insurance; medical insurance; dental insurance; insurance underwriting and broking; underwriting and broking; information services relating to finance and insurance, provided on-line from a computer database or the Internet; administration of insurance plans and insurance claims; advice relating to insurance; arranging insurance; consultancy services in respect of insurance.

The provision of customer loyalty and cash back reward schemes and programs, and information services relating thereto.

Banking services; credit card, debit card and charge card services; information and advisory services relating to all the aforesaid services.

Advertising and marketing.

Advisory services relating to e-commerce; customer-supplier matching services; auction services; provision of marketing incentive schemes; competitions for marketing purposes; customer loyalty schemes; the bringing together, for the benefit of others, of a variety of goods, enabling customers to conveniently view and purchase these goods via a general merchandise Internet web site; the bringing together, for the benefit of others, of a variety of goods, enabling customers to conveniently view and purchase these goods via a digital television shopping channel or site; the bringing together, for the benefit of others, of a variety of goods, enabling customers to conveniently view and purchase these goods via a general merchandise mobile radio communication site; provision of information services concerning the marketing of goods and services; providing information relating to purchasing patterns, the lifestyle behaviour, media, brand and content preferences of buyers and groups of buyers or potential buyers and groups of potential buyers; providing information relating to the sales patterns of products through different distribution channels; providing information relating to the sales patterns of products for different prices and promotional offers; administration of loyalty schemes.

Issuing of voucher or points for purchase or other value schemes; credit facility services; credit and charge card services; share, security and bond dealing services and advisory services related to these; banking services; provision of banking services via communications networks; financial and insurance services provided via electronic means; not including insurance services.