HSBC BUSINESS DIRECT

Banking services; electronic banking services; cheque verification services, namely, cheque clearing services; bill payment services, namely, payment administration; bank card, debit card and electronic payment card services; money exchange and transfer services; money ordering services; money transmission services, namely, electronic transfer of money; foreign currency services, namely, exchange and transfer services; all of the aforesaid services including services provided by means of the Internet, on-line and interactive computer services