Computer hardware, computer software including computer software for use in database management, risk management, in word processing, as a spreadsheet and for facilitating voice, text and pen input; computer operating systems; computer utility programs; computer peripherals; routers; network management programs; computer programs including computer programs for managing, viewing and editing files, documents, electronic mail messages and private network and global computer network communications; presentation graphics programs, electronic access devices, and the user manuals sold together with all the foregoing

Financial services, including banking, payment, credit, debit, charge, cash disbursement, stored value, cheque verification, cheque cashing, deposit access and automated teller machine services, point of sale and point of transaction services; payment authorization and settlement services; travel insurance services; maintenance of financial records; electronic funds transfer and currency exchange services; transaction authentication and verification; dissemination of financial information via a global computer network