Wholesaling and retailing services, including, such services provided online; retailing and wholesaling department stores, specialty stores, discount stores, convenience stores, grocery stores, delicatessens, green groceries, markets, liquor stores, general stores and supermarkets; direct mail and online retailing services; advertising and business services; retail and online marketing and sales promotions including sales promotions at point of sale or purchase; sales promotions by means of display, presentation and demonstration; provision of wholesale and retail services to bottle shops, liquor stores, cafes, canteens, bars and restaurants; supply (retail) of food and beverages, including, by mail order or via the global computer network; marketing services, including, direct mail marketing and marketing by electronic means; loyalty related services in this class, including, customer loyalty reward programs; membership services including operation and management of membership schemes (business services); supply (retail) of food and beverages by mail order, via call centres or via the global computer network; business management services including in relation to market research and marketing studies, publicity and public relations and shop window dressing services; registry services (administration services being recording and maintaining lists and information for others); provision of information in relation to all of the foregoing, including provided online or by other electronic means

Financial services, including, banking, payment, credit card, debit card, charge card and stored value electronic services; issuing of vouchers or tokens of value in relation to the supply of benefits for customer loyalty and frequent buyer schemes; bill payment services; providing means of secure commercial transactions; credit and debit card services; credit and debit card services; payment authorization, verification, and transaction processing services; electronic payment and funds transfer services; providing electronic processing and maintenance of financial records for payment services, including, credit card and debit card services being financial services; stored value electronic purse services; financial consultancy and evaluation; financial management services; services fund investments; insurance services including home insurance, landlord insurance, contents insurance, vehicle insurance, life insurance, travel insurance, personal insurance, business insurance and pet insurance; insurance consultancy, insurance information services, insurance brokerage, insurance claim settlement services; issuing cards for facilitating acquisition of goods and services through settlement of insurance claims; insurance brokerage, insurance quotations; advice relating to all the aforesaid services; Provision of loans, including home loans, personal loans, car loans, bridging loans, industrial loans, instalment loans, real estate loans and all other commercial loans and consumer loans; loan services including instalment loans and lending against security; secured loans; syndicated loans; revolving loan services; mortgage lending, guaranteeing mortgages and loans, financial guarantee and surety services; acquisition for financial investment; advice regarding credit, advice relating to loan recovery services; advisory services relating to loan services; financing of investments, financing of consumer loans including the financing of home loans, financing of personal loans, financing of car loans; financing of instalment loans; financing of property development and the financing of real estate developments; issuance of credit and debit cards, credit accounts and other credit facilities, provision of credit for the sale of goods on credit, the rendering and collection of accounts and other services in class 36 relating to the provision, operation and use of consumer credit and debit facilities; hire purchase; smart card and stored-value card services; gift voucher services being the issuing of gift vouchers; debt restructuring services; debt consolidation services; debt factoring; debt collection and debt recovery services; debt management services; debt advisory services; advisory, consultancy and information services in relation the aforementioned services including by way of the internet