Application software for providing access to an online bank; application software for allowing customers to access banking and financial information and transact bank business; computer applications and programs for providing access to an online bank; computer applications and programs for allowing customers to access banking and financial information and transact bank business; computer applications and programs for managing bank accounts; computer software including interactive, downloadable and recorded computer software and programs for customers to manage their bank accounts; programs and applications used in the provision and transfer of electronic funds and trading of shares; magnetically encoded blank bank cards for issuance by financial institutions including credit cards and debit cards; encoded electronic chip cards containing programming used to verify financial transaction security; smart cards, namely, encoded smart cards containing programming used to verify financial transaction security; electronic funds transfer machines, namely, automated teller machines and electronic payment terminals; apparatus and equipment, namely, automated teller machines and electronic payment terminals used in the provision of banking, financial and insurance services and the transfer of funds and electronic funds including point of sale terminals; automatic teller machines; downloadable electronic communications, namely, downloadable electronic data files featuring banking and financial and bank account information

Banking services; financial services, namely, financial planning services, financial consultancy services, financial information services, financial risk assessment services, estate planning services, investment advisory services, investment management services; insurance services, namely, insurance agency and brokerage services, including providing insurance premium rate quote; online banking; online financial and insurance services, namely, financial planning services, financial consultancy services, financial information services, financial risk assessment services, estate planning services, investment advisory services, investment management services, and insurance agency and brokerage services; banking, financial and insurance affairs, namely, financial advisory and consultancy and insurance advisory and consultancy for the wholesale and retail sector; corporate financial services, institutional financial services, wholesale financial services all in the nature of financial planning services, financial consultancy services, financial information services, financial risk assessment services, estate planning services, investment advisory services, investment management services; retail financial services, namely, providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores or by on-line means; retail financial services, namely, bill payment, check cashing, and money orders services; corporate, institutional, wholesale and retail lending and deposit services, namely, banking services; electronic funds transfer services; accepting and authorising financial transactions, namely, providing secure commercial transactions and payment options at a point of sale using a mobile device, electronic payment terminals or by on-line means; loan services, namely, arranging and providing loans; issuance of credit and debit cards; credit and debit card services, namely, processing of debit and credit card payments; financial affairs and monetary affairs, namely, banking services; brokerage services, namely, securities brokerage, share and options brokerage, insurance brokerage, mutual fund brokerage; financial portfolio administration; share trading, namely, on-line trading of shares and options; share brokerage; managed funds, namely, management of private equity funds and management of capital investment funds; marginal lending, namely, provision of margin loans for financing; superannuation, namely, establishment, operation and management of capital investment funds; financial information and investment information; online financial affairs, namely, online banking services and online financial consultancy; online monetary affairs, namely, monetary exchange; online insurance services, namely, insurance agency and brokerage services, including providing insurance premium rate quotes via on-line means; online financial analysis; online share trading, namely, on-line trading of shares, options; online share brokerage; online managed funds, namely, management of private equity funds and management of capital investment funds; online marginal lending, namely, consumer lending services and provision of margin loans for financing; online superannuation, namely, establishment, operation and management of capital investment funds; online financial information and online investment information

Data transmission; telecommunication services, namely, providing access to online networks; telecommunication services, namely, transmission of electronic mail; telecommunication services, namely, e-mail notification alerts via the internet relating to banking, financial and insurance affairs, including in relation to managed funds, superannuation, share trading, margin lending, portfolio administration, financial information and investment information; electronic transmission of data; computer data transmission services; computerised data communications, namely, transmission of information; communication via a global computer network; electronic mail and encrypted communications, namely, transmission of electronic mail; communication services, namely, transmission of voice, audio, visual images and data by telecommunications networks, wireless communication networks, the Internet, information services networks and data networks relating to banking, financial and insurance affairs, including providing user access to a global computer network for managed funds, superannuation, share trading, margin lending, portfolio administration, financial information and investment information; providing internet forums for transmission of messages among computer users concerning banking, financial and insurance affairs; access to computer networks; communication between computers, namely, communications by computer terminal and mobile device; communication by electronic means, namely, communication by electronic computer terminal and mobile device; communication of information by electronic means, namely, communication by electronic computer terminal and mobile device; operating of electronic communication systems and networks, namely, communication by electronic computer terminal and mobile device; point of sale communication services, namely, communication by electronic computer terminal and mobile device