APPARATUS FOR RECORDING, TRANSMISSION AND REPRODUCTION OF SOUND, SPEECH, IMAGES AND DATA, NAMELY, TELEPHONES, FAX MACHINES, COMPUTERS AND RADIOS; COMPUTER SOFTWARE FOR USE IN TRANSMITTING AND RETRIEVING DATA AND FILES VIA LOCAL AREA, WIDE AREA AND GLOBAL COMPUTER NETWORKS; AND MAGNETICALLY CODED IDENTIFICATION CARDS PROVIDING CARDHOLDERS INDENTIFICATION AND CASHLESS PAYMENT FOR GOODS AND SERVICES

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