Credit card services and encoded bank cards; credit card and charge card services; credit card services; issuance of credit cards; issuance of encoded prepaid magnetic cards; charge card services; credit card services; debit card services; payment card services; atm banking services; issuance of prepaid telephone calling cards, magnetically encoded; electronic processing of credit card transactions via a global computer network; verification of credit cards; cash advances by credit card; credit card transaction processing services; credit and debit card services; payment processing services with credit card; electronic transactions through credit cards; transactions made with debit cards; credit card factoring services; processing of electronic payments made with prepaid cards; transaction processing services carried out with credit cards, debit cards and electronic checks; issuance of electronic payment cards associated with incentive and bonus plans; provision of warranty extension services for products purchased with a credit card; purchase protection insurance for payments made by credit card; providing rebates at participating establishments of others through use of a membership card; providing cash and other rebates for credit card use as part of a customer loyalty program; electronic banking; Internet banking; home banking [home banking]; online commercial banking services; electronic banking services; private banking services; telephone banking services; electronic banking through a global computer network [Internet banking]; remote banking services; merchant banking and investment banking services; facilitation of cash and other reimbursements for the use of credit cards as part of customer loyalty programs; purchase protection insurance for products purchased with a credit card; insurance services in terms of purchase protection, price protection and extension of product guarantees purchased with a credit card; check processing and bill payment services; processing and facilitation of credits, loans, insurance, currency exchange operations and travelers checks; issuance of letters of credit; collection of credits; financial advisory services on credits; credit services; credit and loan services; bill payment and credit services; credit verification services; granting loans and credit lines; consulting on credit matters

Design, development, and implementation of software for online and electronic banking services; trading platform to facilitate the aforementioned services, namely, providing an online trading platform for investment funds brokerage

Insurance, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financial affairs, namely, providing financial management and investment information, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; monetary affairs, namely, monetary exchange and currency transfer services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; banking services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; savings accounts services, all the aforesaid services including services provided by means of the Internet, online and interactive forums; electronic banking services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; mobile phone banking services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; cheque clearing services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; payment administration, namely bill payment services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; bank card, credit card, debit card and electronic payment card services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; debt collection and payment agency, consultancy and brokerage services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; arranging and provision of loans, mortgages and financial guarantees, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; lending on mortgages, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financing of loans, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; credit services, namely, credit and loan services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; money exchange and transfer services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; money ordering services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; money transmission services, namely, electronic funds transfer, all the aforesaid services including services provided by means of the Internet, online and interactive forums; foreign currency exchange services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; services for the provision of travellers' cheques, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; pension services, namely, the financial administration of employee pension plans, and pension fund investments, and advisory services in connection therewith, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; pension fund administration services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; personal pension services, namely, financial retirement planning, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; fund investment management services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; electronic fund transfer services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financial trust management, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; trustee services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; trusteeship services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; investment services, namely financial investments brokerage, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financial investments, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; capital investment services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; raising of capital, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; investment risk assessment advice, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; investment management services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; stockbroking services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; shares and securities brokerage, trading and distribution, all the aforesaid services including services provided by means of the Internet, online and interactive forums; share underwriting, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; share valuation, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; insurance services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; insurance brokerage services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; loss of income protection services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financial services, namely, financial analysis consulting services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financial planning advisory services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; nominee services, namely, fiduciary representative services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; provision of finance, namely, provision of financing loans, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; financing services for securing funds, namely financing of loans and financially-guaranteed financing, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums; real estate agency, management and valuation services, all the aforesaid services including services provided by means of the Internet, on-line and interactive forums

Data processing, namely, computerized word processing, electronic computerized word processing and retrieval services, computerized database management, organisation, operation and supervision of loyalty schemes and incentive schemes, namely, administration of a discount program for enabling participants to obtain discounts on goods and services through the use of a membership card, administration of incentive award programs to promote the sale of products and services of others, and providing customer loyalty services and customer club services for commercial, promotional and advertising purposes, business management and administration, information, advice and consultancy relating to the aforesaid services.

Financial services, namely, financial asset management, financial consultancy, financial management and investment information and advisory services, banking services, monetary affairs, namely, currency exchange, credit card, foreign exchange and bill payment processing services, bank card, credit card, debit card and electronic payment card services, cheque clearing services, debt collection and payment agency, monetary exchange and currency transfer services, money order services, money transfer services, foreign exchange transactions, services for the provision of travellers' cheques, electronic fund transfer services, financial banking information, management, and analysis services, capital investment services, real estate investment, insurance services, financial asset management services, financial monetary exchange and bill payment processing services, credit card, bank card, debit card and electronic payment services involving electronic processing and subsequent transmission of bill payment data via a computer network, check verification services, monetary exchange and currency exchange transfer services, real estate affairs, namely, real estate agency, management and valuation services, financial investment in the field of real estate, investment services, namely, real estate investment consultation and advice, funds investment, financial investment and capital investment services, raising of equity capital for others, insurance services, insurance brokerage services, and loss of income protection services, income tax consultation, annuity underwriting, insurance advice and consultation, life insurance underwriting, insurance information services, underwriting and administering disability insurance, information, provision of financial business transaction information via a website, advisory and consultancy services relating to the aforesaid services, provided via the Applicant's bank branches and through its website.

Computer services, namely, development of computer software, development of on-line virtual platforms for users of electronic stock trading platforms, electronic marketplaces and electronic financial and monetary exchanges, information, advisory and consultancy services relating to the aforesaid services.

Scientific and technological services and research and design relating thereto, namely design, development, and implementation of software for online and electronic banking services, providing a website featuring on-line non-downloadable software that enables users to manage their commercial credit card accounts and process credit card transactions, design of home pages and web sites on the Internet, graphic illustration and drawing, namely, custom design of home pages and web sites, installation and maintenance of computer software that enables users to manage their commercial credit card accounts and process transactions, computer hardware and software design, namely, hardware and software for mobile, online and electronic banking, design, development, installation and maintenance of computer software, providing a website featuring technology enabling users to manage their commercial credit card accounts, software services, namely, the provision of a search platform to enable users to select investment funds and execute the purchase thereof, platform as a service (PAAS) featuring computer software platforms for use in the field of financial services for mobile, online and electronic banking, software as a service (SAAS) provider in the field of financial services for users to manage their commercial credit card accounts and process transactions; design and development of computer hardware and software.