JUNIPER FINANCIAL

magnetic coded and electrically encoded integrated circuit cards, or smart cards, containing programming used to implement banking and financial services, namely, banking and credit, debit and stored value card and electronic transaction services, and pre-paid telephone calling cards, magnetically encoded

banking and financial services-- namely, banking and credit, debit and stored value card and electronic transaction services; financial information provided by electronic means; brokerage services in the fields of insurance, investments, mortgages, mutual funds, securities and stocks; insurance consultation; investment advice and consultation; funds investment; mutual funds investment; personal financial management and planning; loan financing and financing services; cash management; and currency exchange and advice, all accomplished in face-to-face transactions and via the global computer information network