Insurance; financial affairs; monetary affairs; banking; life insurance; living insurance; income protection insurance; income replacement insurance; home, contents, vehicle, travel, mortgage insurance; insurance advisory services; provision of home loans; financial consultancy; financial advisory services; financial investment fund services; financial investment management services; fund investments; advisory services relating to financial investment; advisory services relating to superannuation and investment for retirement; administration of investments; financial management; personal finance services; personal financial planning including retirement planning; pension and retirement and superannuation plans and funds; banking services, including such services provided via a website; personal banking services; bank account services; deposit services; electronic banking including Internet banking; electronic funds transfer; direct debit services; credit card and debit card services; insurance, banking and financial research; provision of information, including on-line, in relation to the aforesaid services, including such information provided via an on-line tool for use in relation to superannuation contributions and collections and on-line financial calculators