Insurance; insurance for travel; insurance for property; insurance for motor cars; health and critical illness insurance; life insurance; information on insurance for travel, property, motor cars, health, critical illness and life; credit, debit and stored value card services, discount card services, reward card services; credit services relating to travel; issuing and redemption of travel vouchers; exchange and redemption of credits from reward programs and from loyalty and incentive schemes; arranging discounts for travel services; arranging of discounts for members of a travel club or program; arranging of discounts for members of travel reward and/or customer loyalty programs; issuing tokens of value in relation to customer loyalty schemes; fund raising; brokerage of carbon offsets; sponsorship of carbon offset programs; funding of and investment in emissions reduction projects; investment in carbon offset programs and projects; investment in emissions reduction funds; issuing of payment gift vouchers; issuing of tokens of value in the nature of gift vouches; issuing of vouchers, issuing of payment gift cards; transfer of payments for others via the internet; financial services in the nature of billing and payment processing services; electronic purchase payment and electronic bill payment services; online banking services and financial services; investments; financial evaluation in the fields of insurance, banking, and real estate; financial and asset management services; information and advisory services relating to all the foregoing