Banking services; financial services, namely, providing on-line stored value accounts in an electronic environment; savings accounts services; electronic banking services; electronic funds transfer via electronic communications networks; mobile phone banking services; cheque clearing services; payment administration, namely, bill payment services, loyalty program payment processing services, credit card payment processing services, electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet, electronic payment services involving electronic processing and subsequent transmission of bill payment data; bank card, credit card, debit card and electronic payment card services; arranging and provision of loans; financing of loans; credit services, namely, credit reporting services, credit rating services, credit verification services, charge card and credit card services, credit and cash card services, debit card services, credit and loan services, credit card authorization services; money exchange and transfer services; money transfer services; foreign currency services, namely, foreign exchange information and foreign exchange services, electronic foreign exchange payment processing, cash and foreign exchange transactions; cash fund management services, namely, management of electronic cash funds and electronic transactions via a global computer network; fund transfer services, namely, electronic funds transfer; trust services, namely, estate trust management, financial trust planning, real estate investment trust services; investment services, namely, investment brokerage, investment consultation, investment risk assessment services; financial investments, namely, financial investment brokerage, financial investment analysis and stock research, financial planning and investment advisory services; investment management services; financial advisory services; provision of finance, namely, providing financing of loans, providing financing of purchases, providing financing services; telephone banking services; telephone insurance services, namely, providing insurance premium rate quotes via on-line, telephone, insurance brokerage service provided by telephone; payment processing services, namely, providing virtual currency transaction processing services for others; providing electronic mobile bill payment services for others; all included in this class

Telecommunications and communications services, namely, providing internet access via broadband optical or wireless networks and local and long distance transmission of voice, data, graphics and video by means of broadband optical or wireless networks; providing private and secure real time electronic communication over a computer network for electronic funds transfers; communication by mobile telephones and cellular telephones; broadcasting programs over telecommunications networks; communication by electronic terminals; providing telecommunications connections to a global computer network by cellular telephones and computers; wireless broadband communication services, namely, transmission of graphics to mobile telephones; transmission, delivery and reception of sound, data, images, music and information by electronic means; voice and data network communications services, namely, transmission of voice and data by telecommunications networks, wireless communications networks, the Internet, information services networks and data networks; voice messaging services; video conferencing, video telephone and video messaging services; paging services by means of radio, telephone or other means of electronic communication; web portal services, namely, providing user access to a global computer network; electronic communication services relating to electronic commerce, namely, providing private and secure real time electronic communication over a computer network and electronic funds transfer by telecommunications; rental of telecommunication equipment; rental of message sending apparatus; delivery of digital music by telecommunications networks and electronic transmission; providing telephone conferencing services; providing telecommunication channels for teleshopping services; multipoint messaging, namely, on-line chat services allowing group communications to and from multiple receivers; message sending; telephone services; Internet service provider services; providing user access to the Internet; rental of access time to computer networks; providing information, including online, about telecommunications from a computer database or via the Internet; all included in this class