Apparatus for recording, transmission or reproduction of data, sound or images; data processing equipment; computer hardware; computers; cash registers; electronic payment terminals; money dispensing machines, namely, automated teller machines (ATM); money counting machines; money sorting machines; card readers, namely, electronic card readers, chip card readers and magnetic coded card readers; biometric identification apparatus; computer firmware for operating cash registers, electronic payment terminals, automated teller machines (ATM), money counting machines, money sorting machines, electronic card readers and biometric identification apparatus; computer software for accounting, for authentication of data, information and messages, and for conducting business research, content management, customer relationship management, contract management, cost analysis, cost calculation, database management, data encryption, data decryption, financial clearing and reconciliation, financial management, financial research, fraud detection, human resources management, payroll processing, pricing of products, processing financial transactions and electronic payments, project management, risk management, tax preparation, and workflow management; computer software for telecommunications, namely, for digital network telecommunications, personal communications, video conferencing, web conferencing and telephone conferencing; electronic computer databases in the field of business accounting information, information for the authentication of data, business research data, information for customer relationship management, information for contract management, information for cost analysis and cost calculation, information for data encryption and data decryption, information for financial clearing and reconciliation, information for financial management, financial research data, information for fraud detection, information for human resources management, payroll processing data, information for pricing of products, information for processing financial transactions and electronic payments, information for project management, information for risk management, information for tax preparation, information for telecommunications, and information for workflow management, recorded on computer media; downloadable electronic publications in the nature of books, brochures, magazines, manuals and reports featuring business, technical and legal issues of the insurance, financial and payment industry; magnetically encoded cards, namely, encoded credit cards, encoded debit cards, encoded identity cards, encoded key cards and encoded pre-paid telephone calling cards; digital recording media, namely, blank digital storage media

Advertising services; marketing services; brand development, positioning and evaluation services; public relations services; rental of advertising space; search engine optimization of web sites for advertising and marketing purposes: business management services; business risk management services; business consulting services; providing office functions; business administration services; employee recruitment services; human resources management services; temporary personnel services; employment agency services; data processing services; accounting services; payroll processing services; tax preparation services; business information services; business analysis services; business research services; market analysis and research and market trend forecasting services; marketing analysis and research and marketing trend forecasting services; cost assessment services, cost accounting, cost analysis and cost containment in the insurance, financial and payment service industry; price comparison, cost price analysis and price optimization services, namely, consultancy on the pricing of products and on the use of price scales and discount scales to increase revenues; compilation, systematization, managing, updating and processing of data in electronic databases; business organization and management consultancy services; arranging and concluding commercial transactions for others; arranging of commercial and business contacts, namely, provision of commercial and business contact information; business information and advice regarding the aforementioned services

Insurance services, namely, insurance administration, insurance brokerage, insurance carrier services, insurance claims processing, insurance information and insurance consultancy; financial management services; financial investment services, namely, development and administering of financial investments; investment brokerage services; venture capital services, namely, providing financing to emerging and start-up companies; financial risk management services; financial information services; financial analysis services; financial research services; financial consulting services; financial consultancy with regard to business mergers and acquisitions, namely, financial consultancy with regard to the purchase or sale of businesses and business investments; financial transaction services, namely, providing secure commercial transactions and payment options; banking services; financing services; credit services, namely, credit and loan services; credit brokerage services, namely, credit agencies; credit rating services; tax consulting services; automated payment services, namely, automated bill payment services, automated electronic payment services involving electronic processing and subsequent transmission of payment data, and providing an internet website portal in the field of financial transactions and payment processing services; payment processing services, namely, providing electronic processing of credit card, debit card, prepaid card and check transactions and electronic payments via a global computer network; brokerage between providers of payment services and consumers of payment services in the field of payment transactions, namely, in the field of automated bill payment services, automated electronic payment services, and electronic processing of credit card, debit card, prepaid card and check transactions and electronic payments; financial clearing houses; financial settlement services, namely, debt settlement services; debt collection services; debt factoring services; monetary operations, namely, cash management and currency exchange services; arranging and concluding financial transactions for others, namely, clearing and reconciling financial transactions via a global computer network; rental of cash registers, electronic payment terminals, money dispensing machines, money counting machines and money sorting machines; rental of card readers for payment purposes; real estate affairs, namely, real estate brokerage and real estate appraisal; real estate management services; real estate agency services; rental of buildings for permanent occupancy and rental of office space and offices; information and advice regarding the aforementioned services

Telecommunications services, namely, digital network telecommunications services, personal communication services, video conferencing services, web conferencing services and telephone conferencing services; providing access to global computer networks; providing access to data, information, computer databases and computer software on global computer networks; transmission of data, information, computer databases and computer software via global computer networks; providing access to Internet website portals on the Internet; electronic messaging services; interactive telecommunication services, namely, interactive delivery of video over digital networks; providing online interactive bulletin boards; providing online chat rooms; providing online forums for transmission of messages among computer users; rental of telecommunications equipment; telecommunication information and advice regarding the aforementioned services

Education services, namely, providing conferences, courses, workshops and seminars in the fields of business, technical and legal issues of the insurance, financial and payment industry; training services in the fields of business, technical and legal issues of the insurance, financial and payment industry; further training services in the fields of business, technical and legal issues of the insurance, financial and payment industry; arranging and conducting educational conferences, courses, workshops and seminars in the fields of business, technical and legal issues of the insurance, financial and payment industry; educational testing services; educational assessment services; providing non-downloadable electronic publications in the nature of books, brochures, magazines, manuals and reports featuring business, technical and legal issues of the insurance, financial and payment industry, non-downloadable audio recordings featuring business, technical and legal issues of the insurance, financial and payment industry, and non-downloadable video recordings featuring business, technical and legal issues of the insurance, financial and payment industry, all for educational and training purposes; providing temporary use of non-downloadable computer learning games; publishing services, in particular publishing of printed matter, printed instructional and teaching materials, electronic, publications, and of digital audio recordings and video recordings publishing services; translation services; information and consultancy regarding all aforementioned services

Technological services, namely, monitoring the computer systems of others for technological purposes and providing backup computer programs and facilities and new product research and design relating thereto; design, development, programming, testing and rental of data processing equipment, computer hardware and computers; design, development, programming and testing of cash registers, electronic payment terminals, money dispensing machines, money counting machines, money sorting machines, card readers and biometric identification systems; design, development, programming, testing, maintenance, customization, operation and rental of computer software; design, development, programming, testing, maintenance, customization and operation of computer databases; design, development, programming, testing, maintenance, customization and operation of websites for others; rental of computer servers, database servers and web servers; technical support services regarding computer hardware, computer software, computer databases and web sites, namely, troubleshooting in the nature of diagnosing computer hardware problems, computer software problems, computer database application problems and web applications problems; software as a service (SAAS) services featuring software for accounting, for authentication of data, information and messages, and for conducting business research, content management, customer relationship management, contract management, cost analysis, cost calculation, database management, data encryption, data decryption, financial clearing and reconciliation, financial management, financial research, fraud detection, human resources management, payroll processing, pricing of products, processing financial transactions and electronic payments, project management, risk management, tax preparation, and workflow management; software as a service (SAAS) services featuring software for telecommunications, namely, for digital network telecommunications, personal communications, videoconferencing, web conferencing and telephone conferencing; data encryption, data decryption and authentication of data, information and messages for others, namely, electronic document and e-mail authentication services; IT consultancy services; information and consultancy regarding all aforementioned services

Legal services; legal research services; legal information services; legal support services, namely, litigation support services and legal document preparation services; legal registration services, namely, domain name registration services and domain name registrar services; legal document certification services, namely, notary public services; trademark searching and clearance services, trademark filing and prosecution services being legal services, trademark watch services, trademark maintenance services, patent searching and clearance searches, patent filing and prosecution services being legal services, patent watch services, patent maintenance services; conducting domain name searches for the purpose of providing legal advice on domain name registration; arbitration, mediation and alternative dispute resolution services; security services for the protection of property and individuals, namely, physical and personal security consultancy and providing user authentication services in electronic credit card, debit card, prepaid card and check transactions and in electronic payments; advisory services relating to regulatory services, namely, consultancy on regulations on safety at work; fraud detection services in the insurance, financial and payment industry; information and consultancy regarding all aforementioned services