Non face to face transactions include but not limited to;
 business relationships concluded over the Internet or by other means such as through the
post;
 services and transactions over the Internet;
 use of ATM machines;
 telephone banking;
 transmission of instructions or applications via facsimile or similar means; and
 making payments and receiving cash withdrawals as part of electronic point of sale
transaction using prepaid or re-loadable or account-linked value cards.