Financial services, namely banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, data repository and client profile information services, and related switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, electronic funds transfer, providing financial information, namely credit and debit card data and reports, financial records management, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; financial analysis and consultation; insurance services; financial affairs, monetary affairs; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; banking, payment, credit, debit, charge, cash disbursement, stored valued deposit access services; 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 authorization 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; verification of financial information; maintenance of financial records; electronic funds transfer and currency exchange services; remote payment services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; provision of financial services by means of a global computer network or the Internet; 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 letting of real estate; 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; computerized 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 securitization; consulting services regarding payment solutions, banking, credit card, debit card, payment card and automatic teller machine services.

Business management, business administration, business advice, information and inquiries; advertising and business affairs; opinion polling; organization of exhibitions (for commercial or advertising purposes); business risk management consultation; business consultation, namely, providing advice regarding safety and loss programs that identify, mitigate, and prevent risk; business management of insurance programs; data compiling and analyzing in the field of insurance; providing business information to businesses and legal entities; insurance claims auditing services; managing general agency services in the insurance field, namely, providing insurance agent referrals, and providing a pricing program in the field of property and casualty insurance through which members of designated associations, organizations, and groups may be offered or granted downward adjustments in the premiums for such insurance; business services, namely, acting as a business intermediary connecting insurance agents and insurance underwriting companies for the placement of insurance coverages; providing business information to insurance brokers in the field of insurance companies; business services, namely, premium auditing; tracking and monitoring insurance compliance services for others, for business purposes; business record-keeping services for others, for insurance risk management and regulatory compliance purposes; outsource service provider in the field of insurance claims business analytics; insurance lead collection and matching services, namely, matching consumer requests for insurance policy quotes collected over the internet to pre-qualified insurance brokers, agents, and agencies interested in those requests; consultancy, information and advisory services relating to all the foregoing.

Providing temporary use of non-downloadable software; providing temporary use of non-downloadable software for rate quoting, policy issuance, and policy maintenance; scientific and industrial research; computer software and programming services; computer services; lease, hire and rental of computer equipment, hardware, software and programs; structural building inspection services; building inspection (surveying); building inspection services (structural and surveying) for insurance purposes; inspection of plant and machinery; engineering consultancy services; energy auditing; building and interior design services; surveying; consultancy, information and advisory services relating to all the foregoing.

Computer software and mobile applications; bank cards; credit cards; cheque cards; cash cards; cards bearing magnetic data media; debit cards; smart cards; telecommunications apparatus and instruments; counting, data processing and computing apparatus and input and output devices for use therewith; apparatus and instruments for data transmission; network access devices; data storage apparatus; graphical recording apparatus; magnetic recording media and cassettes and cartridges for use therewith; computer programs; teaching apparatus and instruments; electronic data processing programs (software); machine-readable data carriers equipped with programs.

Advertising; business management; business administration; office functions; offering for sale and the sale of goods in the retail and wholesale trade; business advice and consultancy relating to franchising; business management assistance in the field of franchising; business advertising services relating to franchising

Furniture and furnishings; Beds, bedding, mattresses, pillows and cushions; Mattress toppers; Bed frames.

Textile goods, and substitutes for textile goods; Bed linen; Bed throws; Duvets; Comforters; Sleeping bag liners; Pillowcases.

Education; Education services related to sleep; Education services related to beds.

Testing services, namely, services to try out beds in order to improve sleep.

Human healthcare services; Medical consultancy for selecting appropriate beds; Medical services to improve sleep.