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; bookkeeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; retail services provided through mobile telecommunications means; retail services provided on-line, through networks or other electronic means using electronically digitised information; computer database management; association services, namely, promoting the interests of banks, credit unions, and other regulated financial institutions; maintenance of financial records; research services relating to real estate auctions

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 value deposit access services; bill payment services; credit card, debit card, charge card, prepaid 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; settlement and authorisation services; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; payer authentication services; verification of financial information; electronic funds transfer and currency exchange services; dissemination of financial information via the Internet and other computer networks; 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; 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; 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 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

Scientific apparatus and instruments; magnetic data carriers, recording discs; automatic vending machines and mechanisms for coin operated apparatus; cash registers; data processing equipment computers, computer hardware, computer software and computer programs; telecommunications and electrical apparatus and instruments; accounting machines; apparatus for registration, transmission, reproduction of data including sound and images; magnetic recording supports; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; machines for banking establishments; encoders and decoders; modems; 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 cards containing an integrated circuit chip (smart cards); charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; prepaid cards; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carriers card readers, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking, foreign exchange bureaux services and telecommunication industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications 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 telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards, prepaid cards, and payment cards; apparatus for teaching cards; cash dispensing machines; vending machines; computer peripheral devices and electronic goods, namely, calculating machines, pocket planners, personal digital assistants (PDAs), alarms and flashlights

Insurance services; financial affairs; monetary affairs; financial services; banking and credit services; money exchange and money transfer services; providing credit card, debit card, charge card and stored value prepaid card services; banking, payment, credit, debit, charge, discount card, cash disbursement, stored valued deposit access services; bill payment services; credit card, debit card, charge card, prepaid 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 cardholders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; settlement and authorization services; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; issuing of drafts; telegraphic transfers; payer authentication services; verification of financial information; data encryption and decryption of financial information; maintenance of financial records; electronic funds transfer sad currency exchange services; dissemination of financial information via the Internet and other computer networks; 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; 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 service provided through mobile telecommunications means, including payment service 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; 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 information relating to rates of exchange; bureaux de change services; real estate services; real estate property 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; financial 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 auctions

Scientific apparatus and instruments; magnetic data carriers, recording discs; automatic vending machines and mechanisms for coin operated apparatus; cash registers; data processing equipment; computers, computer hardware, computer software and computer programs; telecommunication and electrical apparatus and instruments; accounting machines; apparatus for registration, transmission, reproduction of data including sound and images; magnetic recording supports; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; machines for banking establishments; encoders and decoders; modems; 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 cards containing an integrated circuit chip ("smart cards"); charge cards; bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carrier card readers, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications 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 telecommunications 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; apparatus for teaching cards; cash dispensing machines; vending machines; computer peripheral devices and electronic goods, namely calculating machines, pocket planners, personal digital assistants (PDAs), alarms and flashlights

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 value 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; settlement and authorization services; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; payer authentication services; verification of financial information; data encryption and decryption of financial information; maintenance of financial records; electronic funds transfer and currency exchange services; dissemination of financial information via the Internet and other computer networks; 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; 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; 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; real estate services; real estate property 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 auctions

Storage of digitised electronic information

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, currency transfer and money transfer services, electronic payment 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); clearing and reconciling financial transactions via a global computer network; person-to-person and person-to-business money transfer and payment services transacted by means of a computer network; payroll and benefits payment services; payment remittance services; electronic transmission of money from customer to customer; electronic transmission of bill and payment data; travel insurance services; cheque verification services; issuing and redemption services all relating to travelers 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 of financial services to the public in the form of hand held card technology incorporating a digital data storage facility, such data representing monetary value that can be added to or subtracted from accordingly; electronic 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

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 cards 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; telecommunications 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 telecommunications 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; computer hardware and peripherals; computer software for encrypting and protecting the integrity of data and electronic communications over computer networks; computer software for implementing encryption, authentication, access control and other security features within computer networks and through external connections; computer software for implementing security methodology involving encryption of payment card numbers and related data and transmission over computer networks; user manuals and guides for all of the foregoing distributed as a unit with the software

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, 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; the provision of financial services to the public in the form of hand-held 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; financial services, namely, banking, credit card services, debit card services and debit account services, electronic funds transfer services; and financial information provided by electronic means; financial advisory services pertaining to security methodology involving the encryption of payment card numbers and related data; provision of financial services by means of a global computer network or the Internet; consulting services in the field of financial services

Insurance services, namely, providing liability protection for credit card issuers and corporate clients

Computer software containing a database for the storage and retrieval of information pertaining to credit and debit card transactions to help the issuing and acquiring bank determine a level risk for the financial institution

Computerized fraud predictor services which provide information to credit card and debit card issuers and acquirers to assist in determining a level of risk for the financial institution

Financial services being the provision of credit card, debit card, charge card, travellers cheques, cash disbursement and transaction authorisation and settlement services

Loyalty programs involving discounts or incentives, including travel, for use of debit and credit cards

Loyalty programs involving discounts or incentives for travel

Financial services; including providing credit card, debit card, charge card, travellers cheques, cash disbursement and transaction authorization and settlement services