Market research services; monitoring, analysis, forecasting and reporting of the behaviour of card holders; promoting the sale of goods and services of others by means of rewards and in particular generated through the use of credit, debit and payment cards; administration of loyalty and reward schemes for others; management of employee rewards for businesses; outdoor advertising, distribution of samples, publicity material and prospectuses; organisation of business operations to obtain customer loyalty; business consultancy and information; business promotion of all kinds and on all media including via a data communication network (Internet or Intranet) and in particular by providing privileged user cards or by providing privileged services; business promotion for advertising purposes for others; sales promotion (for others) and advertising; organisation of competitions for commercial or advertising purposes for employee motivation, including via a data communication network (Internet or Intranet).

Issuing, exchanging, reimbursement of vouchers, tickets, coupons, counterfoils, prepaid, debit or credit cards and any other method of payment, in particular via computer networks; electronic payment processing services; exchange of valuables, namely secure electronic cash transactions and electronic cash transmissions, on public computer networks in order to facilitate the electronic transfer of funds; Insurance and insurance underwriting; insurance services relating to property; financial assistance namely insurance payments; financial assistance, namely reimbursement of medical and health expenses; financial activities relating to social welfare, retirement, contingency funds and savings; financial reimbursement of recipients of social security benefits; 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 services; account management, funds transfer, issuing of prepaid instruments on physical or paperless media, payment of bills for others; providing assistance relating to payment solutions; providing information from a database stored on computer or via the Internet in the field of financial services.

Telecommunications services; Internet based telecommunication services; data communication services; transmission of data via a global computer network, including the Internet; transmission or displaying of information from a database stored on computer 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; 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; dissemination of financial information via the Internet and other computer networks.

Providing recreation facilities, organisation of competitions (education or entertainment) and organisation of events (entertainment), organisation of seminars, colloquiums, conventions, providing of chatrooms (education or entertainment) via media of all kinds, including via a data communication network (Internet or Intranet); consultancy relating to the selection of events for cultural or educational purposes for others; organisation of activities for cultural or educational purposes for others; operating of lotteries.

Design and development of computer software; computer hardware and software consulting services; computer programming; providing assistance and consultancy relating to the management of databases and computer applications; data encryption and decryption of information; technical consultancy relating to computer programming, financial computer networks, secure communications, data encryption and decryption; technical consultancy relating to local network security; creating and maintaining web sites; hosting the web sites of others; design and hosting of computer sites (web sites) for bill payment.

Medical assistance, namely nursing, medical; medical services; home help for the elderly or disabled, namely medical assistance.

Personal and social services rendered by others to meet the needs of individuals, namely baby sitting and home help for the elderly or disabled; home help for the elderly or disabled; providing on-line electronic databases via a global computer network in the field of identity authentication and verification.

Market surveying services; consulting services regarding payment solutions; tracking, analyzing, forecasting and reporting cardholder behaviour; sales promotion of goods and services of others by means of rewards generated in connection with the use of credit, debit and payment cards; administration of loyalty and reward programs for others; administration services undertaken on behalf of businesses to facilitate the provision of rewards or benefits to employees; bill- posting services, sample, advertising material and prospectus distribution services; organisation of business operations for developing customer loyalty; business consultancy and information services; business promotion of all kinds and on all media, including via a computer communication network (such as the Internet or an Intranet), and in particular by the provision of privileged user cards or the provision of privileged services; business marketing services for advertising purposes for others; sales promotion (for others) and advertising services; arranging of contests for business and promotional purposes to motivate employees, including by means of a computer communication network (such as the Internet or an Intranet); administrative services in respect of invoice payment by consumers and businesses.

Issuing, clearing, redemption of vouchers, counterfoils, prepaid, debit or credit cards or any other electronic payment method, in particular via a computer network; electronic payment processing services; value exchange services, namely secured electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic transfer of funds; insurance and insurance services; insurance services relating to property; providing of financial assistance, namely payment of insurance indemnities; providing of financial assistance, namely refunding of medical costs; payment services in the field of social welfare provision, retirement, provident funds and saving facilitating the payment of government benefits, insurance and employee benefits from employers to individuals; financial affairs; monetary affairs; financial services; bank and credit services; credit, debit, rechargeable card and prepaid card services; bank, payment, credit and debit services; account management, fund transfer, provision of prepayment cards and electronic prepayment methods in respect of government benefits, insurance and employee benefits to individuals.

Telecommunications services; Internet-based telecommunications services; data communication services; data transmission via a global data processing network, including the Internet; information transmission, providing access to a web based database to cardholders enabling them to view details of their accounts; transmission of data through electronic image processing by means of a phone link; electronic mail, message sending and receiving services; providing of multi-user access to a secured information network for the transfer and dissemination of a range of information in the field of financial services; leasing access time to a database; dissemination of financial information via the Internet and other computer networks.

Leisure services, arranging of competitions (education or entertainment) and arranging of events (entertainment), arranging of seminars, colloquiums, conventions, newsgroups (education or entertainment) by all means, including via a computer communication network (such as the Internet or an Intranet); consultancy services for the selection of events for cultural and educational purposes for others; recreational services for cultural or educational purposes for others; operation of lotteries.

Scientific and technological services; industrial research services; software design and development; hardware and software consultancy services; computer programming; assistance and consultancy services for the management of databanks and computer applications; providing of online electronic databases via a global computer network in the field of authentication and verification of identities; ciphering and deciphering of information; technical advice services relating to computer programming, financial computer networks, secured communications, data ciphering and deciphering; technical advice services relating to local network security; creation and management of websites; hosting of websites for others; designing and hosting of websites for invoice payment.

Medical assistance to individuals, namely nursing; medical services; assistance in enabling old or disabled people to stay in their own homes, namely medical assistance.