42 FINANCIAL, PRODUCTS INCLUDING ARRANGING FOR CREDIT CARDS, MORTGAGES, AUTO, COMMERCIAL AND PERSONAL LOANS AND LINES OF CREDIT PAYING CREDIT CARD BILLS MAKING TRAVEL ARRANGEMENTS, SELLING BOOKS, MUSIC AND OTHER PRODUCTS; BANKING; COMPUTER SERVICES; GLOBAL COMPUTER NETWORK SERVICES; PAYMENT SERVICES; FINANCIAL SERVICES; INTERNET; PAYMENT PROCESSING; PAYROLL SERVICES- INTERNET AUCTIONS- INTERNET SECURITIES BROKERAGE SERVICES; INSURANCES- COMMERCIAL AND RESIDENTIAL REAL ESTATE TRANSACTIONS; INTERNET COMMERCE; BUSINESS TO BUSINESS PAYMENTS; WASTE MANAGEMENT SERVICES