CATHAY

Insurance brokerage services; insurance brokerage in the field of travel, real property, motor cars, health and critical illness insurance and 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, namely, processing electronic payments through credit and charge cards; electronic payment services that allow the redemption of travel vouchers, and credits from reward programs and from loyalty and incentive schemes; issuing of electronic payment cards, tokens and points to members of travel clubs and customer loyalty programs that allow for payment of discounted travel services; issuing tokens of value in relation to customer loyalty schemes; charitable fund raising; brokerage of carbon dioxide and other greenhouse gas emission credits, allowances or offsets; financial sponsorship of carbon offset programs; charitable funding of and investment in emissions reduction projects; investment of the funds of others in carbon offset programs and projects; investment of the funds of others in emissions reduction funds; issuing of payment gift vouchers; issuing of tokens of value in the nature of gift vouchers; 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, namely, financial transactions in the nature of bank transactions, credit card transactions, debit transactions and credit transactions, consumer and mortgage lending, securities brokerage, mortgage and loan insurance services; financial investment services, namely, money market funds; 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