SMART PINOY

Telephone apparatus; fixed and mobile telephones; telephone commutators; electric connectors for a global network and electric connectors for telephone lines; pre-paid telephone calling cards magnetically encoded, and encoded electronic chip cards for identifying particular users of mobile telephones

Banking; financial information and consultancy services; financial evaluations; financial management; insurance information and consultancy services; real estate information and consultancy; real estate investment; provision of banking services via the Internet; home-banking; credit and cash card services; debit card services; electronic credit card transactions payment processing services; issuing of credit and debit cards; telephone calling cards services, namely, issuing of telephone calling cards

Telecommunication services, namely, local and long distance transmission of voice, data graphics by means of telephone, telegraphic, cable and satellite transmissions and by means of telecommunications networks, wireless communication networks, and the Internet, personal communication services, providing prepaid minutes for use on cell phones abroad; rental of telecommunication equipment including telephones and facsimile apparatus; providing electronic mail, facsimile transmission, electronic transmission of messages via telex services and telephone services