Computer hardware, computer software and computer programs; 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"); 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; telecommunication 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 telecommunication 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; batteries and battery chargers.

Apparatus for lighting, heating, steam generating, cooking, refrigerating, drying, ventilating, water supply and sanitary purposes.

Paper, cardboard and goods made from these materials, not included in other classes; 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); playing cards; printers' type; printing blocks; printed publications, pamphlets, brochures, newspapers, journals and magazines, manuals, printed matter all relating to banking, credit cards, debit cards, magazines; printed matter relating to batteries and battery chargers.

Advertising; business management; business administration; office functions; 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; retail sales services provided through wireless devices; retail sales services provided through on-line and other electronic communication networks; provision of advertising and business management and administration services relating to the supply of batteries and battery chargers.

Insurance services; financial services; 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 (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; financial transaction services provided to support retail sales services provided through wireless devices; financial transaction services provided to support retail sales services through on-line and other electronic communication networks; electronic wallet; bill payment websites; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; provision of financial and insurance services relating to purchase and use of batteries and battery chargers.

Credit, debit and payment card services; financial services, including credit, debit and payment services, credit, debit and payment card services, services related to the issuance of credit cards, debit cards and charge cards; financial, financing and credit services rendered by means of credit and debit cards, including bank credit and debit services; credit services; insurance; financial affairs; monetary affairs; real estate affairs; banking; financial services in relation with extension of credit systems, by the banks subscribing to these services, to the clients of these banks, who purchase in institutions that subscribe to these services as well as those in relation with the performance of the operations of clearing houses, providing the institutions and the banks that subscribe to them with information on credit relating to the clients of these banks.

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; Funds transfer (Electronic -); 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]; Jewelry 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; Pawnbrokerage; 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; 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, gateway, 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; 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, 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 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 digitized information.

Telecommunications; Cable television broadcasting; Cellular telephone communication; Communications by computer terminals; Communications by fiber [fibre] optic networks; Communications by telegrams; Communications by telephone; Computer aided transmission of messages and images; Electronic bulletin board services [telecommunications services]; Electronic mail; Facsimile transmission; Information about telecommunication; Message sending; Paging services [radio, telephone or other means of electronic communication]; Providing access to databases; Providing internet chatrooms; Providing telecommunication channels for teleshopping services; Providing telecommunications connections to a global computer network; Providing user access to global computer networks; Radio broadcasting; Rental of access time to global computer networks; Rental of facsimile apparatus; Rental of message sending apparatus; Rental of modems; Rental of telecommunication equipment; Rental of telephones; Satellite transmission; Telecommunications routing and junction services; Teleconferencing services; Telegraph services; Telephone services; Television broadcasting; Telex services; Transmission of digital files; Transmission of greeting cards online; Transmission of telegrams; Voice mail services; Wire service; Wireless broadcasting; Mobile telecommunication services; internet based telecommunication services; data communication services; electrical data transmission over a global remote data processing network, including the internet; services for the transmission or display of information from a computer-stored data bank or via the internet in the field of financial services; transmission of data through the use of electronic image processing by telephone link; electronic mail, message sending and receiving services; broadcasting services; providing multi-user access to a secure computerised information network for the transfer and dissemination of a range of information in the field of financial services; leasing access time to a computer database.