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; 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 authorization 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 authorization 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 digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; 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; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate selection; mortgage financing and asset securitization; consulting services regarding payment solutions, banking, credit card, debit card, payment card and automatic teller machine services.

Insurance services; financial services; banking and credit services; providing credit card, debit cards, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; 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; providing financial services to the public in the form of handheld card technology incorporating a digital data storage facility such data representing monetary value that can be added to or substracted from accordingly; 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.

Advertising; marketing services; promotional services; business management; business administration; commercial, industrial and business management assistance; business appraisals; market and business research; marketing studies; statistical information and business analysis; business performance measurement; advisory services for business management and operation; business advisory and consultancy services relating to, in particular, cardholder services, customer relationship management, information, information technology, marketing, business operations, payments strategy, rewards programmes and risk management; preparation of statements of accounts; marketing, organisation, planning, development, implementation, operation, management, and supervision of sales and promotional incentive, rewards and customer loyalty schemes; incentive schemes and programmes; travel, merchandise, pre-paid card, cash-back and gift voucher rewards programmes; rewards programmes and schemes; customer loyalty incentive schemes; points schemes for redemption against goods and services; information, advisory and consultancy services relating to all the foregoing; call centre services relating to the aforesaid programmes and schemes.

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 payments services, namely, electronic payment and information management services involving procurement, purchasing and payment through electronic means; processing and transmission of purchasing card transaction data; prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; issuing of tokens of value in relation to promotional incentive, rewards and customer loyalty schemes; 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; providing financial services to the public in the form of handheld card technology incorporating a digital data storage facility such data representing monetary value that can be added to or subtracted from accordingly; 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.

Telecommunications services; Internet based telecommunications services; data communication services; the provision of access to on-line information services; electrical data transmission over a global remote data processing network, including the Internet; services for the transmission, provision of access to or display of information from a computer-stored data bank or via the Internet; 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 computerized information network for the transfer and dissemination of a range of information in the field of financial services; providing multi-user access to a secure computerized information network for card issuers to administer and manage promotional incentive, rewards and customer loyalty schemes and for cardholders to view balances and redeem rewards.

Computer hardware and computer consulting services; computer programming; designing, developing, administering and managing computer systems for promotional incentive, rewards and customer loyalty schemes; support and consultation services for managing and maintaining computer systems, databases and applications; 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; provision of web pages; legal services; the design, creation and hosting of merchant websites; the design, creation and hosting of bill payment websites; the design, creation and hosting of websites relating to promotional incentives, rewards and customer loyalty schemes, including rewards statement and redemption websites; professional consultations referring to the aforesaid services (as far as included in class 42).