9 Magnetically encoded cards for carrying data, namely, cards containing data to verify an individual's identity, credit cards, debit cards and cards for use with Automated Teller Machines (ATM); multifunction cards for financial services, namely, magnetically encoded credit cards, magnetically encoded debit cards, magnetically encoded cards for use with Automated Teller Machines (ATM), and magnetically encoded cards for identifying users of computers, mobile phones and Automated Teller Machines (ATM); magnetically encoded charge cards, cash cards, bank cards, check cards, credit cards, and debit cards; downloadable computer software used in the provision of insurance, finance, banking and credit card services; downloadable publications, supplied on-line from databases or from web pages and web sites on the Internet, namely, downloadable pamphlets, leaflets, magazines, newsletters, information sheets and circulars in the field of insurance, banking, finance and credit card services; computer software enabling connection to online databases, computer networks and the Internet; telecommunications apparatus, namely, modems to enable connection to online databases, computer networks and the Internet; computer software to enable searching of data, namely, search engine software; hand-held devices for payment and value exchange services and for other personal information services, namely, magnetic coded card readers and personal digital assistants used for payment and value exchange services and for other personal information services; magnetically encoded security access cards; magnetically encoded identification cards; integrated chip cards in the nature of cards containing integrated circuit chips used for security access, banking, payment and value exchange, and personal information exchange; magnetically encoded pre-paid telephone calling cards; ATM machines; magnetic point of sale electronic card readers; remote access devices, namely, devices for enabling retailers to accept and verify payment for goods by credit card; blank magnetic data carriers; blank electronic data carriers; computer hardware and software used for the provision of banking services, financial services, bank account management services, monetary transfer services, payment services, financial analysis and financial reports, financial management services, and information services relating to banking and finance; computer search engine software to enable the searching of data relating to the aforegoing; electronic publications, namely, newsletters, magazines, periodicals, pamphlets and leaflets all in the field of insurance, banking, finance and credit card services all recorded on CD-ROM or diskette