9 Apparatus and instruments; electronic and withdrawal apparatus for facilitating transfer of funds, computers and computer hardware; computer software and computer programs; electronic and computer terminals; data processing equipment; data carriers, printing apparatus and instruments; encoded cards for use in relation to the electronic transfer of funds; discs, tapes, cards and data carriers, all capable of carrying data in magnetic or optical form; telecommunication apparatus and instruments; parts and fittings for all the aforesaid goods, additionally all of the above for facilitating the transfer of funds at electronic point of sale, for recording and processing transactions of value, for recording, retrieving and transmitting data, for reading data carriers, for transferring data to data carriers, and for use with credit card processing at point of sale