9 Apparatus for recording, storing, processing, transmitting and reproducing of data; Devices and equipment for telecommunications, namely, voice-over Internet phones; Blank optical, magnetic and electronic data carriers; Prerecorded optical, magnetic and electronic data carriers featuring information in the fields of banking and financial services; Computer hardware; Computer software and computer application software for use in the fields of investment banking, on-line banking, insurance and financial services, namely, for accessing financial and account information, database management, for transacting bank and investment business and for the trading of securities, currencies, options, foreign exchange, futures, funds and commodities; Electronic apparatus and systems, namely, computers and computer software for the execution of financial transactions; Computer application software for use in accessing electronic banking services; Computer application software for mobile phones and handheld computers, namely, software for use in accessing electronic banking services; Downloadable electronic publications, namely, magazines, newsletters, and reports in the field of banking and financial services