Operation and management of reward and loyalty programs and schemes; operation and management of incentive or promotional programs and schemes; business referrals services; retail services including online retail services; advertising and brand development services including co-branding services; online advertising services; online marketing and promotional services; promotion of accommodation, travel, telecommunication, insurance, finance and mortgage services in connection with incentive schemes; services relating to the management of points based on incentive, customer loyalty, value added and rewards programs and schemes via the internet

Advice services relating to enhancement of mortgages; advisory services relating to mortgages; agency services for lending on mortgage; commercial and residential mortgage brokerage; insurance services for the protection of mortgages; mortgage advice; mortgage brokerage services; mortgage investment management; provision of information relating to mortgages; administration of financial affairs; advisory services relating to (financial) risk management; advisory services relating to financial investment; advisory services relating to financial matters; advisory services relating to financial planning; consultation services relating to financial matters; financial advice; financial advisory services; financial consultation services; financial information services; financial intermediary services; financial investment management services; other financial services in this class