Savings schemes; issuing of tokens of value in relation to customer loyalty schemes; issuing of vouchers for use as money; issuing of discount coupons; discount of bills; invoice discounting services; issuing of payment gift vouchers; financial services; bill payment services; bill consolidation services; payment administration, payment processing services; awarding of grants in relation to the use of energy efficient gas and electric services and appliances; awarding of grants in relation to...