Business management services; business marketing consulting services; marketing consulting services; professional business consultancy; marketing agency services; marketing and business research; public relation services; provision of information and training in relation to advertising, marketing and communications strategy.

Business management services, namely services in relation to strategy, development and tactical support, credit risk strategies, customer performance, solutions to customer related business problems, fraud and risk management; advertising services, namely advertising the wares and services of others; developing promotional campaigns for business; business management; business administration; business consultancy, namely business administration consultancy and business management consultancy; business risk management consultancy; preparing business reports, including expert evaluations and reports relating to business matters; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing services, namely the development of marketing strategies and concepts; business marketing, namely direct mail consulting services; statistical evaluations of marketing data; market research services; marketing studies; preparation and distribution of statistical business information; preparation of statements of accounts; book-keeping; business research; publication of publicity brochures, leaflets and newsletters; issuing of publicity leaflets; organisation and management of customer loyalty and reward schemes; management of telephone call centers; database management; management and compilation of information into computer databases; computer database management; insurance services; travel accident insurance; financial support services to credit card customers in the event of loss of credit cards; financial advice, consultancy, research and information services; preparation of financial reports and analysis; financial risk management consultancy; financial affairs, monetary affairs, financial services, financial institution services and credit services, all namely providing credit card, debit card, charge card and stored value prepaid card services; promoting the sale of goods and services through a consumer discount and loyalty card and program; cash disbursement services, namely cash disbursement authorization and processing services, stored value deposit access services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value; 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; financial settlement and financial authorisation services in connection with the processing of financial payment transactions; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; payer authentication services, namely the authentication of card holder information in connection with the processing of financial payment transactions; verification 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, namely authorizing financial transactions remotely; stored value electronic purse services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value, including for use through hand-held units; 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 (RFID transponders), namely authorizing and processing of debit and credit transactions conducted using RFID devices; provision of debit and credit services by means of communication and telecommunication devices, namely authorizing and processing of debit and credit transactions conducted using RFID devices, cellular phones, PDA’s, telephones, and the Internet; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; processing of credit and debit transactions by telephone, the Internet, cellular phone networks and satellite; value exchange services, namely, authorizing and facilitating the secure exchange of financial value, including electronic cash, over computer networks accessible by means of cards containing an integrated circuit chip ('smart cards'); bill payment services provided through a website; real estate services; real estate property services; real estate valuations; real estate investment management; real estate investment 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 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; research services relating to real estate selection; mortgage financing and asset securitisation; the following financial services connected with the provision of financial products provided through mobile telecommunications means, connected with the provision of financial products provided on-line through networks or other electronic means using electronically digitised information, in the fields of legal assistance, identity fraud, price protection, health, health care, robbery, theft, assault and hospitalization, for the support of retail services provided through mobile telecommunications means including payment services through wireless devices, for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information, provided over the telephone and by means of a global computer network or the Internet, and provided by means of a global computer network or the Internet, namely financial support services to credit card customers in the event of loss of credit cards, financial advice, consultancy, research and information services, preparation of financial reports and analysis, financial risk management consultancy, financial affairs, monetary affairs, financial services, financial institution services and credit services, all namely providing credit card, debit card, charge card and stored value prepaid card services, cash disbursement services, namely cash disbursement authorization and processing services, stored value deposit access services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value, 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, financial settlement and financial authorisation services in connection with the processing of financial payment transactions, travel insurance services, issuing and redemption of travellers cheques and travel vouchers, payer authentication services, namely the authentication of card holder information in connection with the processing of financial payment transactions, verification 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, namely authorizing financial transactions remotely, stored value electronic purse services, namely access, storage and transaction processing services relating to digitized electronic information representing monetary value, including for use through hand-held units, 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 (RFID transponders), namely authorizing and processing of debit and credit transactions conducted using RFID devices, provision of debit and credit services by means of communication and telecommunication devices, namely authorizing and processing of debit and credit transactions conducted using RFID devices, cellular phones, PDA’s, telephones, and the Internet, cheque verification services, issuing and redemption services all relating to travellers cheques and travel vouchers, processing of credit and debit transactions by telephone, the Internet, cellular phone networks and satellite, value exchange services, namely, authorizing and facilitating the secure exchange of financial value, including electronic cash, over computer networks accessible by means of cards containing an integrated circuit chip ('smart cards'), bill payment services provided through a website, real estate financing, administration of financial affairs relating to real estate, 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 the provision of finance for real estate purchase, 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.