Electronic financial transaction apparatus; electronic funds transfer machines; automated teller machines; credit and debit card verification machines; apparatus for payment with magnetically encoded cards; machine readable devices for cashless payment systems; electronic point of sale transaction terminals; machines for executing remote financial transactions; cards carrying magnetically, optically or electronically recorded or encoded information or data; smart cards; chip cards; machine readable cards; charge cards, bank cards, credit cards, debit cards, stored credit cards, and payment cards; cards for financial services; apparatus for use with smart cards or cards used in financial transactions; apparatus for recording, transmission or reproduction of sound or images; apparatus for network communication; apparatus for processing data; apparatus for receiving information from a computer; apparatus for the transmission of data; data storage apparatus; data processing equipment; telephone handsets; cash registers; calculating machines; scientific, surveying, photographic, cinematographic, optical, weighing, measuring, signalling, checking (supervision), and teaching apparatus and instruments; computer hardware; computers; computer software, computer software platform, computer programs, mobile telephone applications and other downloadable software, downloadable computer programs, computer programs for commercial transactions, application software, personal computer application software, all for or used in relation to financial transactions, point of sale, payment services or related business management and none for or used in relation to document production management

Banking; banking services in relation to the electronic transfer of funds; banking and financial services in relation to payment services using an electronic exchange platform; electronic payment services; financial payment services; collection of fees, payments or tolls (for others); transfer of funds; computerised banking services; electronic banking; financial banking; internet banking; information services relating to banking; investment banking; personal banking services; personal financial banking services; financial services; financial information; pension and retirement and superannuation plans and funds; provision of mortgages; investment advice; investment management of funds; insurance services; monetary affairs; transactional and deposit banking home loans; superannuation services; funds management; financial planning services; general investment advice; investment management; mortgage and superannuation trusteeship; superannuation advice; and consultancy and ancillary services related to banking and financial services