Computer hardware; computer software; computer programs (downloadable software); electronic financial transaction apparatus; electronic funds transfer (EFTPOS) machines; automated teller machines (ATM); identification card verification apparatus; apparatus for payment with magnetically encoded cards; machine readable devices for cashless payment systems; computer programs for commercial transactions; electronic point of sale transaction terminals; machines for executing remote financial transactions; application software; personal computer application software; cards carrying magnetically, optically or electronically recorded or encoded information; smart cards (machine readable cards); cards incorporating electronic chips; bank cards being machine readable; bank cards incorporating magnetic data carriers; banking cards (encoded or magnetic); banking cards (encoded or magnetic) for credit purposes; banking cards (encoded or magnetic) for debit purposes; cards for use as credit cards (encoded or magnetic); charge cards (encoded); charge cards (magnetic); credit cards (magnetic); encoded debit cards; machine readable cards; magnetic debit cards; magnetic payment cards; multifunction cards (encoded) for financial services; multifunction cards (magnetic) for financial services; apparatus for the recording of sound or images; apparatus for the reproduction of sound or images; apparatus for the transmission of sound or images; apparatus for network communication; 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; computers; checking (supervision) apparatus and instruments; cinematographic apparatus and instruments; measuring instruments; measuring apparatus; optical apparatus and instruments; photographic apparatus and instruments; scientific apparatus and instruments; signalling apparatus and instruments; surveying apparat us and instruments; teaching apparatus; teaching instruments; weighing apparatus and instruments; apparatus for decoding (reading) encoded cards; credit cards (encoded); apparatus for processing data

Banking; banking services in relation to the electronic transfer of funds; 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; 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 consultancy; financing of home loans; provision of home loans; financial fund management; financial planning; investment advice; investment management; trusteeship; financial consultancy; personal financial banking services