9 Apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling the distribution or use of electricity; apparatus for recording, transmission or reproduction of sound or images; pre-recorded magnetic data carriers featuring downloadable computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; pre-recorded optical discs featuring downloadable computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; pre-recorded compact downloadable computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; pre-recorded DVDs and other pre-recorded digital recording media in the nature of optical discs featuring downloadable computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment, computers; recorded and downloadable computer software for managing transactions and accounts in the financial services and banking industries; fire-extinguishing apparatus; recorded and downloadable recorded software related to extrancing/exchanging data, handling, analyzing, processing, organizing, transacting, brokering in financial matters; recorded and downloadable electronic databases in the field of working capital financing and optimization; recorded and downloadable computer data bases in the field of working capital financing and optimization; recorded and downloadable information technology and audiovisual equipment; recorded and downloadable data processing software for electrical and mechanical equipment and accessories; recorded and downloadable computer software packages for managing transactions and accounts in the financial services and banking industries; computer software applications, recorded and downloadable software for managing transactions and accounts in the financial services and banking industries; downloadable software applications for downloading onto computers, mobile telephones, tablets and other electronic mobile devices for managing transactions and accounts in the financial services and banking industries; recorded and downloadable software for use in the financial services and banking industries commerce over a global communications network; recorded and downloadable computer e-commerce software for managing transactions and accounts in the financial services and banking industries; recorded and downloadable application software for transactions and accounts in the financial services and banking industries; recorded and downloadable computer software for producing financial models; recorded and downloadable computer software relating to viewing financial history for use in the financial services and banking industries; recorded and downloadable computer software relating to the handling of financial transactions; recorded and downloadable computer programmes relating to financial matters, namely, for managing transactions and accounts in the financial services and banking industries; recorded and downloadable financial management software; recorded and downloadable software for debt recovery; recorded and downloadable computer software for use in accessing financial information and conducting financial transactions via computer and communication networks; recorded and downloadable computer software for financial operations, transactions, computation, display and management operations; recorded and downloadable computer programs for bookkeeping, consolidation, financial reports, financial management, financial information management, management reports, budgeting, business planning, assets accounting, sale and management of assets and liabilities; recorded and downloadable computer programs in connection with financial and stock exchange services; recorded and downloadable computer software for the analysis, management and collection of investment trading and financial and news data; recorded and downloadable computer software for real-time access to information regarding risk management and exposures; recorded and downloadable computer software for use in monitoring a company's or agency's employment and/or civil rights claims, complaints, investigation and cases, and for use in monitoring a company's or agency's customer claims, complaints and issues; recorded and downloadable computer programs relating to trade receivable transactions; recorded and downloadable software programs for charge events and calculation methods for business partners, calculating receivable or payable charges, calculating charges at local or foreign currency, debiting user defined accounts