Financial services; investment services; financial consultancy services; financial management services; fund investments; capital investments; mutual funds

Educational services; training services; arranging and conducting of conferences, congresses, seminars, symposiums and training workshops

Business management; business administration; professional business consultancy; business management and organization consultancy; business management consultancy; advisory services for business management

Vehicles; apparatus for locomotion by land, air or water; vehicles used in construction, mining, freighting, agriculture and forestry; tankers (land vehicles); tractors and semi-tractors; tippers (lorries); joggers, trailers, semi-trailers and road wagons; vehicles used for earth and material loading, hauling, compacting and handling; forklifts; vehicles incorporating bucket loaders; vehicles incorporating loading, compacting and grading apparatus; vehicle bodies, trailer bodies and van bodies, including (but not limited to) curtain sided truck bodies, drop side bodies; drop side tipper bodies, flat deck bodies, insulated bodies; parts and fittings for the aforementioned all in class 12.

Advertisement columns of metal; alloy rolls; alloy steel for construction and steel brackets; alloys for battery electrodes; alloys of common metal; alloys of nonferrous metals; alloys, heat-resistant, acid-resistant and corrosion-resistant; aluminium; aluminium foil; aluminium pipes; aluminium wire; aluminum and its alloys; anchor plates; anchors; angle irons; angle valves [of metal, not machine elements]; antenna wire; anti-friction metal; anti-friction metal for iron alloys; anvils; armour plate; artificial fish reefs of metal; automatic control valves [of metal, not machine elements]; ball valves [of metal, not machine elements]; balls of steel; bands of metal for tying-up purposes; bars; bars for metal railings; beacons of metal [non luminous]; bells; bells for animals; billets; bindings of metal; bins of metal; blooms [metallurgy]; bolts of metal; booms; bottles [metal containers] for compressed gas or liquid air; boxes of common metal; brackets of metal for building; branching pipes of metal; brass and its alloys; brass sheet, strip, bar; brass, unwrought or semi-wrought; brazing alloys; bronzes [works of art]; building boards of metal; building materials of metal; building materials, pipes and tubes [none being boiler tubes or parts or machines], all included in class 6; building panels of metal; buildings of metal; buildings, transportable, of metal; buoys; butterfly valves [of metal, not machine elements]; cable joints of metal, non-electric; cables and wires [non-electric]; cans of metal; casings of metal for oilwells; cast iron vessels [not included in other classes]; cast iron, unwrought or semi-wrought; cast steel; casters of metal; castings; castings, foils, powder, and rolled, drawn or extruded semi-finished articles of titanium or its alloys; ceilings of metal; chains [except driving chains for vehicles]; chains for dogs; chimneys of metal; chromium; clad steel plates and sheets; cladding of metal for construction and building; clips of metal for cables and pipes; closures of metal for containers; cocks [of metal, not machine elements]; coils; cold-rolled steel sheets and coils; collars of metal for fastening pipes; collecting pipes of metal; columns of metal; common metal gauges for vehicles; common metal personal gauges; common metal works of art; common metals and their alloys; common metals, unwrought or semi-wrought; common metals, unwrought or semi-wrought, not included in other classes; containers of metal; containers of metal for compressed gas or liquid air; containers of metal for liquid fuel; containers of metal for storage; containers of metal for storing acids; containers of metal for transport; copper and its alloys; copper sheet, strip, bar; copper, unwrought or semi-wrought; cotter pins; coupling of metals; crash barriers of metal for roads; drain pipes of metal; duckboards of metal; ductile cast iron rolls; ducts and pipes of metal for central heating installations; elbows of metal for pipes; electrical steel sheets; extrusion steels; fish plates [rails]; fittings of metal for building; fittings of metal for furniture; fittings of metal for windows; fittings of pipework of metal; flanges of metal; flanges of metal [collars]; flashing of metal, for building; floor tiles of metal; forgings; foundry and anvils made of steel; foundry moulds of metal; frame work for prefabrication; frames of metal for building; framework of metal for building; free cutting steel plates and sheets; full metallic buildings; galvanized sheets and coils; gas cylinders; gaskets of metal; girders of metal; gold solder; gratings of metal; gravestones of metal; grilles of metal; guard rails for city street; guard rails of metal; gutter pipes of metal; gutters of metal; handcuffs; hardware and ironmongers articles; hardware of metal; hardware tools; heavy plate; hollow steel bars; hoop iron; hoop steel; horseshoes; hot-rolled steel sheets and coils; indium; industrial packaging containers of metal; ingots of common metal; ingots of metals, not of precious metals; iron; iron ores; iron sheets; iron slabs; iron strip; iron wire; iron, unwrought or semi-wrought; ironmongery; ironmongery, small items of metal hardware; irons and steels; joists of metal; junctions of metal for pipes; keys; lead; lead, unwrought or semi-wrought; linings of metal [building]; loading and unloading pallets of metal; locks; locks of metal, other than electric; locksmith's works; lubricating nipples; machine belt fasteners of metal; magnesium; manhole covers of metal; manifold; manifolds of metal for pipelines; materials of metal for funicular railway permanent ways; materials of metal for railway tracks; metal bottle for air compression and liquid compression valves; metal conduit, for cables and pipes; metal cylinders for compressed gas; metal flanges; metal foundation plate for buildings; metal frames for packing, for purposes of transport and storage of pipes; metal joinery fittings; metal junctions for pipes; metal latches of gates; metal lids and caps [for industrial packaging containers]; metal materials for building construction or for structure; metal materials for skeletons or frames for building or construction; metal moulds for forming cement products not being parts of machines; metal pipes and tubes; metal pipes and tubes for boiler, semi-wrought; metal pulleys; metal pulleys, springs and valves [not including machine elements]; metal sheets for building use; metal stoppers [for industrial packaging containers]; metal tombs; metal wires; metal wires rods; metallic alloy pipes; metallic and enameled sheets for coverings; metallic barrels; metallic bins; metallic caps for containers; metallic capsules for compressed gas; metallic hose for vacuum cleaners; metallic key carriers; metallic non-luminous nor mechanical road signals; metallic pipes; metallic swimming pools; metallic tubes and pipes of all kinds, including gas pipes and casings for oil wells; metallic winding keys; metals and semi manufactures thereof not belonging to any other class; metals and their alloys; metals in powder form; meteorological instruments of metal; mineral; miscellaneous hardware of metal; miscellaneous pilings of metal; miscellaneous steel pipes; molybdenum; mooring bollards of metal; moulds; nails and screw; nickel; niobium; non-electric cables and wires of common metal; nonferrous metals and their alloys; nozzles of metal; nuts [of metal]; nuts and screws made of metal; oil pipe; ores; ores of common metal; ores of metal, except sodium, potassium and calcium, not included in fuel; other products made of non-steel and non-precious metal extrusion materials; packaging containers of metal; partitions for office use; partitions of metals; pegs of metal; penstock pipes of metal; petroleum and casing pipe; pilings of metal; pillars of metal for buildings; pipe fittings; pipe joints of metal; pipe muffs of metal; pipelines of metal; pipes and tubes [not being parts of machines and/or of boilers]; pipes and tubes of metal; pipes and tubes of metal and their alloys, not being parts of machines or parts of cooling, warming and distilling installations; pipes of metal; pipes of metal, for central heating installations; pipework of metal; pipework of metal, not included in metal materials for building or construction; pitons of metal [mountaineering equipment]; plates; plugs of metal; poles of metal; posts of metal; posts of metal for electric lines; poultry house of metal; prebuilt metallic houses and other buildings; prebuilt metallic sections and panels therefor; prefabricated building assembly kits of metal; prefabricated building assembly kits of metal, for skeletons or frames; props of metal; props of metal for bridges; railroad ties of metal; rails and other metallic materials for railway tracks; rails of metal; railway material of metal; railway points; railway sleepers of metal; railway switches; rare-earth alloys for magnets; refractory construction materials of metal; reinforcing materials of metal for building; reinforcing materials of metal for machine belts; reinforcing materials of metal for pipes; reinforcing materials, of metal, for concrete; reservoirs of metal; road signs of metal [not luminous nor mechanical]; rods of metal for brazing; rods of metal for welding; rolled and cast building materials; rolled steels; roof coverings of metal; roof flashing of metal; roofing of metal; ropes of metal; safety boxes; safety cashboxes; sand molds of metal; screws of metal; sealing caps of metal; second products of iron and steel; semi-finished steel; semi-products of steel; shaped objects made of steel [not included in other classes]; shapes; sheet; sheet bars; sheet irons; sheet piles of metal; sheet pilings; sheets and plates of metal; sheets and stripes; shoe nails; shuttering of metal for concrete; signaling panels, non-luminous and non-mechanical, of metal; signboards of metal; silver plated tin alloy; silver solder; silver weld; slabs; sleeves [metal hardware]; soldering wire of metal; springs [metal hardware]; springs and valves [not being parts of machines]; springs for furniture [metal hardware]; spurs; stainless-steel coils; steel; steel [rolled] for rolling operations; steel alloys; steel and articles made therefrom included in class 6; steel angles; steel balls, not included in other classes; steel bars; steel blooms; steel buildings; steel cables; steel frames; steel framework for pre-fabrication; steel joists for use in building; steel material; steel or metallic water and gas pipe; steel pallets; steel panels for flooring; steel pipes; steel pipes and tubes for boiler, semi-wrought; steel pipes for air-bag parts; steel pipes for boilers; steel pipes for boilers [semi-finished products]; steel plates; steel poles; steel poles and tubes for air-bag components; steel rails; steel shapes; steel sheets; steel strands; steel strip; steel tapered poles; steel tire; steel tubes; steel tubes; steel tubes for boilers; steel wire; steel, unwrought or semi-wrought; steels for automobiles; steels for bearings; steels for boilers; steels for machine structural use; steels for pressure vessels; steels for ship structural use; steels, heat-resistant, acid-resistant and corrosion-resistant; stirrups of metals; stopper-shaped or lid-shaped metallic shield for protecting screw parts of pipes; strap-hinges of metal; straps of metal for handling loads; strips; tanks of metal; tantalum [metal]; thread of metal for tying-up purposes; tin; tin free steel sheets and coils; tinfoil; tinplate; tinplate packings; tinwork and cookware included in this class; titanium; titanium alloys; titanium bars; titanium iron; tombac; tool boxes of metal, empty; transportable buildings of metal; traps for wild animals; tree protectors of metal; trellis of metal; tube and pipe of steel; tubes of metal; tungsten; unwrought and partially wrought common metals and alloys; valves of metal, other than parts of machines; vanadium; vice benches of metal; vices of metal; wall cladding of metal for building; wall linings of metal for building; wall plugs of metal; water-pipes of metal; wild animals traps; wire nets and gauzes; wire of common metal; wire of common metal alloys, except fuse wire; wire of metal for welding; wire rope; works of art of common metal; wrapping or binding bands of metal; zinc and its alloys; zinc-coated steel sheets; zirconium.

AC generators [alternators]; AC motors and DC motors [not including those for land vehicles but including parts for any AC motors and DC motors]; actuators for air vehicles; aeronautical engines; aeronautical motors; agricultural implements; air separation apparatus; air suction machines; all being accessories to photo-type and relief printing; ammonia plants; annealing machines; anti-pollution devices for motors and engines; apparatus for dressing for metalworking; apparatus for giving a pickling treatment on the surface of metal; apparatus for metalworking machining; apparatus for tin-plating on the surface of metal; asphalt finishers; automobile crank shafts and camshafts; axles for machines; back-hoe dragline and hydroexcavators; bars and copper plates; bars and zinc plates; bearings [machine elements not for land vehicles]; bearings for transmission shafts; beier variators; beier-cyclo variators; being speed reducers or variators; belts for conveyors; belts for machines; belts for motors and engines; bending machines; blow moulding machines; boiler tubes [parts of machines]; brakes [machine elements not for land vehicles]; brass sheets; bucket wheel reclaimers; butane carburettors; carburettor feeders; carburettors; casting machines, for non-ferrous metals; cement plants; centrifuges [machines]; centrifuges being centrifugal separators; chain feeders for ball mills; chemical oxidative synthesizing apparatus; chemical processing machines and apparatus; clamshell; classifier; classifier for classifying solids suspended in liquids, being a machines; coal and ore dressing plants; cold strip mills for non-ferrous metals; compressed air machines; compressed air pumps; compressors [machines]; condensers [steam] [parts of machines]; condensing installations for chemical processing; construction machines and apparatus; continuous caster machines; continuous sintering plants; control apparatus for machines, engines and motors; control mechanisms for metalworking machines, construction machines and loading-unloading machines; converters; converters for steel works; conveyors and auxiliary equipment; copper roll for textile printing; copper sheets; couplings other than for land vehicles; cranes and their parts and accessories; crank shafts; cranks [parts of machines]; crawler-shovel-cranes; crusher; crusher for mines; crushing machines for metalworking, construction loading-unloading and chemical processing; crushing rolls and roll housings; cryogenic separation apparatus; cutters; cutting machines for metalworking and construction; cyclo drives; cyclo reduction gear [machine]; cylinder boxes; DC generators; die-cutting and tapping machines; diggers [machines]; dish washing machines for household purposes; drag line; drainage machines for construction; drilling rigs, floating or non-floating; drilling towers; drums [parts of machines]; dynamo brushes; electric circuit board processing machines; electric food blenders [for household purposes]; electric machines and apparatus for polishing metal surface; electric wax-polishing machines for household purposes; electric winder; electrical wire and cable manufacturing machines; electronic motors; ethane recovery apparatus; excavating machines and parts thereof; exhaust manifold for engines; exhausts for motors and engines; extruders; fans and blowing machinery; feeder; feeding apparatus for engine boilers; film laminators; filters; finishing machines for metalworking; flanges; flotation machines; for chemical industries, sintering plant, sulphuric acid, manufacturing plant, salt manufacturing plant; for construction, ladder excavator; for metal fabrication, press, shear; for mining, mineral dressing plant; forging presses; gas liquefying apparatus; gas separation apparatus; gasifiers; gear and pinion coupler and draft gear and spare parts not included in other classes; gear box; generators of electricity; grinding machines; guides for metalworking machines; hand-held tools, other than hand-operated; handling equipment for heating furnaces and soaking pits; heat exchangers for chemical processing machines; heat exchangers for plants [parts of machines]; helium liquefying apparatus; hemming machines; high pressure vessels; high pressure washers; holding devices for metalworking machine tools; hydraulic controller for machines, motors and engines; hydraulic door openers and closers [parts of machines]; hydraulic presses; hydraulic pumps; hydraulic pumps for industrial machines; hydraulic valves; hydrogen recovery apparatus; impeller shaft; incubators; incubators for eggs; infinitely variable gear and other parts and accessories for power engines; inflation film extruding machines; ingot buggies; injection blow moulding machines; ladder excavators; large size agricultural implements; levellers; lifting magnets; link-belt truck cranes; liquid crystal panel etching equipment; liquid crystal panel washing apparatus; lng carburettors; loading-unloading machines and apparatus; lpg carburettors; machine coupling and transmission components [except for land vehicles]; machine couplings and belting [except for vehicles]; machine elements [not for land vehicles]; machinery of all kinds, and parts of machinery, except agricultural and horticultural machines and their parts included in class 7; machines and apparatus for the electronic industry; machines and machine tools; manifold [exhaust -] for engines; manufacturing plant; mechanical presses; mems[micro electro mechanical systems] coating equipment; mems[micro electro mechanical systems] etching equipment; metal drawing machines; metalworking machine tools; metalworking machines; mill; milling machines; mine car; mine haulage apparatus; mineral dressing plant; mixers; motor-driven machines for the chemical industry; motors and engines [except for land vehicles]; motors, electric, other than for land vehicles; moulding machines for metalworking; moulds [parts of machines]; mufflers for motors and engines; natural gas condensers [parts of machines]; nautical engines; non-electric prime movers, not for land vehicles [other than water mills and wind mills]; nozzles and blades of turbines; oil coolers for aeronautical engines; oil refining machines; other machine or equipment; other metal-processing machines; ozonolysis processing apparatus; paring machines for metalworking; parts and accessories for railway locomotives; parts for non-electric prime movers for land vehicles; parts for power engine and related equipment; pipe mills; pistons; pneumatic transporters; power couplings; presses [machines for chemical processing purposes]; presses for metalworking; pressure tank and parts of machines; printing dies; printing machines; pump diaphragms; pumps [parts of machines, engines or motors]; radiators [cooling] for motors and engines; rams [machines]; reduction gears other than for land vehicles; road stabilizers; robots for metal working; roll and roll housing [parts of machines]; roll and roll-housings; rolling mill cylinders; rolling mills; rolling mills and their parts and fittings; rolls for rolling mills; salt manufacturing plant; screen flotator; screens; section rolling mills; semiconductor manufacturing machines and systems; separators; sewage pulverizers; sewing machines; shaft couplings or connectors [machine elements not for land vehicles]; shaft units; shafts, axles or spindles [not for land vehicles]; shears; ships' gears and pinions; shock absorbers [machine elements not for land vehicles]; shovel; shuttles [parts of machines]; silencers for motors and engines; silicon dioxide film deposition apparatus; sintering plant; slab coolers; slide rests [parts of machines]; springs [parts of machines]; stackers; stack-reclaimers; starters for aeronautical engines; starters for motors and engines; steam accumulators [parts of machines]; steam engine boilers; steel drilling rods, also conical; steel making converters; steel mill cranes; steel sheet processing lines; steering; stern frames and shafts; straighteners; sulphuric acid plants; superchargers; synthetic resin plants; threading machines; tools and instruments and parts thereof for metal fabrication; transferred gears; transmission shafts, other than for land vehicles; transmissions for machines; transmissions, other than for land vehicles; trimming machines for metalworking; ultraviolet light irradiation apparatus for water processing; unloaders, loaders, and their related equipment; vacuum cleaners for household purposes; valves [machine elements not for land vehicles]; vibrators [machines] for industrial use; washing apparatus; washing machines for household purposes; waste compacting machines; waste compacting machines and apparatus; waste crushing machines; waste disposers [machines]; water heaters [parts of machines]; welding apparatus, gas-operated; welding machines, electric; wheel cranes; wire rod mills; woven machines.

AC motors or DC motors for land vehicles [not including "their parts"]; adhesive rubber patches for repairing tubes or tires; aerial conveyors; aeronautical apparatus; aeroplanes; air bags [safety devices for automobiles]; air-conditioning installations for air planes; aircraft and their parts and fittings; air-cushion vehicles; all for rolling stock; all goods, vehicles, ships and other apparatus and appliances and accessories thereof; anti-theft alarms for vehicles; anti-theft devices for vehicles; apparatus of locomotion by land, air or water and spare parts thereof not included in other classes; automobile crankshafts; automobiles and their parts and fittings; axle boxes for locomotives; axle journals; axles; axles [rolling stock parts and accessories]; axles for land vehicle wheels; axles for vehicles; baby carriages; bicycle trailers [riyakah]; bicycles and their parts and fittings; bodies [of railway cars]; bogie trucks [rolling stock parts and accessories]; bogies; bogies for railway cars; brake linings for vehicles; brake segments for vehicles; brake shoes for vehicles; brakes [for land vehicles]; brakes [machine elements not for land vehicles]; brakes for vehicles; buffers for railway rolling stock; cable cars; camshafts; car truck coupler; car trucks; carriages and parts and accessories thereof; carts; chassis [of railway cars]; command gear units [rolling stock parts and accessories]; connecting rods for land vehicles, other than parts of motors and engines; coupler and draft gear; coupler for automobiles; couplers; coupling and draft gears; coupling chains for rolling stock; couplings for land vehicles; crankshafts; current collecting equipment [for railway cars]; draft gears all included in class 12 being parts and fittings of rolling stock; driveshafts; driving gear units; driving gears; electric leather belts for vehicles; engagement apparatus [rolling stock parts and accessories]; flanges for railway wheel tires [tyres]; fork lift trucks; gear and pinion coupler and draft gear; gear boxes for land vehicles; gear units; gearing for land vehicles; gears and pinion; hand cars; handstraps [of railway cars]; heat exchangers for land vehicles; horse drawn carriages; hydraulic circuits for vehicles; inner tubes for tires; leaf-springs; leather belts for transport; machine elements for land vehicles; machines and appliances; metal wheels for rolling stock and steel tyres for use therewith; mine trolleys [carriages]; motor coaches; motorcycles; non-electric prime movers for land vehicles [not including "their parts"]; parachutes; parts and accessories for railway freight and passenger cars - namely, railway trucks, wheels, axles, and wheel-axle units; parts and fittings for automobiles; pedicabs; piston rings; power conversion elements; propeller shafts; puller cars for mining; pusher cars for mining; railway couplings; railway freight cars; railway rolling stock and their parts and fittings; reduction gears for land vehicles; relaxation control apparatus and instruments for the different levels between the rail cars and the station platforms; rickshaws; road vehicles and parts thereof; rockets; rolling stock and parts and fittings therefor; rolling stock for railways; ropeways for cargo or freight handling; rotative power transmission belts connecting engines and radiator cooling fans [for land vehicles]; rotor discs; seat covers for vehicles; shafts, axles or spindles, bearings, shaft couplings or connectors, power transmissions and gearings [for land vehicles]; ships; ships' hulls and parts thereof included in class 12; ships' steering gears; shock absorbers and shock absorbing springs [for land vehicles]; shock absorbers for railwaycars and motorcars; shock absorbing springs for vehicles; sleighs and sleds [vehicles]; solid rolled wheels [rolling stock parts and accessories]; space vehicles; spindle ensembles with rotors; springs; springs for rolling stocks; springs for vehicles; stabilizers; steel bands; steel rims for rolling stock wheels; steel tires [rolling stock parts and accessories]; stern frames and shafts; suspension shock absorbers for vehicles; suspension springs; suspension systems and accessories therefor; tires of automobiles [all aforesaid goods for vehicles]; traction engines; traction or hitching apparatus [rolling stock parts and accessories]; tractors; train and parts and fittings therefor; transistors [electronic]; transmission shafts for land vehicles; trucks; two-wheeled motor vehicles and their parts and fittings; undercarriages [of railway cars]; undercarriages for vehicles; unloading tipplers [for tilting railway freight cars]; valve shafts; vehicle couplers; vehicle suspension springs; vehicle wheels; vehicles, apparatus for locomotion by land, water or air, parts and accessories thereof; vehicles, ships and other carrying machines and appliance and parts thereof; vehicles, structural and component parts thereof; vessels and their parts and fittings; water bikes [personal watercrafts]; wheel centers [rolling stock parts and accessories]; wheel rims; wheel-axle units; wheelbarrows; wheelchairs; wheels; wheels [of railway cars] .

Air conditioning apparatus; air conditioning installations; air deodrising apparatus for industrial purposes; air filtering installations for industrial purposes; air purifying apparatus and machines for industrial purposes; air sterilizers for industrial purposes; air-conditioning systems for air vehicles[air-conditioning installations]; ash pits for industrial furnaces; boiler tubes, mineral dressing plants; boilers, other than parts of machines; coolers for industrial furnaces; cooling vats for industrial furnaces; desalination plants; distillation apparatus; drying apparatus; evaporators; filters for air conditioning for industrial purposes; filters for air-conditioning apparatus for industrial purposes; filters for garbage incinerators; filters for industrial boilers; filters for industrial furnaces; filters for water purifying apparatus; fire bars for industrial furnaces and boilers; fuel economizers; furnace ash boxes; furnace grates for industrial boilers; furnace grates for industrial furnace and nuclear reactors; gas scrubbers [parts of gas installations]; heat exchangers for vehicles, not parts of machines; heat exchangers, not parts of machines; heat regenerators; heating apparatus for solid, liquid or gaseous fuels; heating elements for industrial purposes; hot air apparatus; hot water heating installations; industrial furnaces; level controlling valves in tanks; loading apparatus for furnaces; plants for chemical industries including sintering plants and salt manufacturing plants; purification installations for sewage; scrubbers [parts of gas installations]; sewage-treatment apparatus; steam generating installations; ultraviolet irradiation apparatus[water sterilization treatment apparatus]; waste material purification apparatus; waste melting apparatus ; water clarification apparatus; water filtering apparatus for industrial purposes; water flushing installations for industrial purposes; water purification installations; water purifying apparatus and machines; water sterilizers.

Machines and other parts and fittings, electromechanical machines for chemical industry; gas separating installations; centrifugal machines; aerocondensers; mineworking machines; blowing machines for the compression, exhaustion and transport of gases; fans for the compression, sucking and carrying of grain; bellows [parts of machines]; blowing machines; valves [parts of machines].

Insurance; including life insurance, property and casualty insurance; life insurance consultancy and information, life insurance brokerage, insurance risk management; real estate services, financial services; banking, fund investments, pension fund management, asset management, mutual fund management, capital investments, unit trusts, foreign exchange, issuance of cheques, credit and loans (financing), savings banks, securities brokerage, financial management, securities deposits, safe deposit services, financial evaluation, fiscal assessments; credit rating services; credit solutions; commodities brokerage; monetary affairs; real estate business; medical insurance schemes, health insurance and savings schemes relating to health; loyalty programmes