Provision of financial services and products; financial consultancy services including electronic fund transfers; credit and debit charge services; credit arrangement services; intermediary information services; consumer information services; credit intermediary services; fund transfers including electronic fund transfers; managed funds; insurance services; insurance consultancy services; insurance underwriting; financial management; loans, mortgages; loan financing; banking services including home banking and Internet banking; unit trusts; investment services; investment trusts; savings services; transaction accounts; superannuation; information services relating to finance and insurance, provided on-line via a computer database or the Internet; financial transaction processing services; payment and billing services; and provision of information relating to the foregoing