Downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable mobile application software for processing electronic payments and for transferring funds to and from others.

Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of electronic payment purchases, secure commercial transactions for electronic payment purchases, and dispute resolution services and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale.

Apparatus for recording, transmission or reproduction of sound or images; magnetic data carriers, recording discs; calculators; calculating machines, data processing equipment and computers; portable and handheld electronic devices for transmitting, storing, manipulating, recording, and reviewing text, images, audio, video and data, including via global computer networks, wireless networks, and electronic communications networks and electronic and mechanical parts and fittings therefor; computers, audio and video players, electronic personal organizers, personal digital assistants, computer peripheral devices; USB hardware; computer and memory storage devices, namely, blank flash drives, USB drives, digital USB storage cards and card readers; downloadable electronic publications; downloadable audio, video and audiovisual content provided via computer and communications networks; computer hardware; computer software; computer applications; application software; magnetically encoded cards including credit cards and debit cards; chip cards and smart cards; electronic funds transfer machines; electronic financial transaction apparatus; point of sale terminals; mobile point of sale terminals; automated teller machines (ATMs); electronic card readers for chip cards, smart cards and magnetically encoded cards including credit cards and debit cards; computer software including downloadable computer programs and recorded computer software; computer programs used in the provision of banking, financial, business advisory and/or business consultancy services; computer equipment used in the provision of banking, financial, business advisory and/or business consultancy services; computer software for processing electronic payments including via a mobile computer, mobile phone, smart phone or tablet; authentication software for controlling access to and communications with computers and computer networks; parts and accessories for the aforementioned goods

Financial affairs; insurance; real estate affairs; monetary affairs; financial services; brokerage; investment services; banking services; finance and mortgage brokering; mortgage management; providing consumer finance products; advisory services relating to financing and home loans; financial services provided via a global computer network; finance and mortgage broking services provided via a global computer network; online financial information and online investment information; wholesale financial services; corporate financial services, institutional financial services; corporate, institutional, wholesale and retail lending services; loan services; financial analysis; portfolio administration; financial information and investment information; online financial affairs; online monetary affairs; online financial analysis; online portfolio administration; superannuation services; financial planning; deposit services; provision of online financial calculators; electronic commerce payment services; mortgage and superannuation trusteeship; currency exchange services; wealth management and protection services; share trading; options trading; research services relating to banking, finance, investment, management funds and real estate; electronic money transfer services; bank card services; financial and investment analysis and consulting services; information, consultancy and advice in relation to the foregoing

Software as a service (SaaS); being software as a service for use in relation to mortgages, loans or finance or identity verification

Insurance services, namely, underwriting, issuing, and administration of non-payment insurance and energy and infrastructure insurance; consultation, policy writing, and claims processing in the field of non-payment insurance and energy and infrastructure insurance.

Scientific, nautical, surveying, photographic, cinematographic, optical, weighing, measuring, signalling, checking (supervision), life-saving and teaching apparatus and instruments; apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling electricity; apparatus for recording, transmission or reproduction of sound or images; magnetic data carriers, recording discs; calculators; calculating machines, data processing equipment and computers; portable and handheld electronic devices for transmitting, storing, manipulating, recording, and reviewing text, images, audio, video and data, including via global computer networks, wireless networks, and electronic communications networks and electronic and mechanical parts and fittings therefore; computers, audio and video players, electronic personal organizers, personal digital assistants, computer peripheral devices; USB hardware; computer and memory storage devices, namely, blank flash drives, USB drives, digital USB storage cards and card readers; downloadable electronic publications; downloadable audio, video and audiovisual content provided via computer and communications networks; computer hardware; computer software; computer applications; application software; magnetically encoded cards including credit cards and debit cards; chip cards and smart cards; electronic funds transfer machines; point of sale terminals; mobile point of sale terminals; automated teller machines (ATMs); electronic card readers for chip cards, smart cards and magnetically encoded cards including credit cards and debit cards; computer software including downloadable computer programs and recorded computer software; computer programs used in the provision of banking, financial, business advisory and/or business consultancy services; computer equipment used in the provision of banking, financial, business advisory and/or business consultancy services; computer software for processing electronic payments including via a mobile computer, mobile phone, smart phone or tablet; authentication software for controlling access to and communications with computers and computer networks; apparatus for the validation of monetary credit values; electronic information verification apparatus; parts and accessories for the aforementioned goods

Advertising; business management; business administration; business information; office functions; retail services; business retail and wholesale marketing advisory services relating to financial products; advertising, marketing and promotional services; Internet marketing services including online advertising and directory services; public relations; online advertising; promotional advertising services; radio advertising; television advertising; advertising and promotion services provided via video broadcasts and other experiential media; promotion of goods and services; electronic commerce services being advertising and retails services; business networking services; computerised data verification

Application software; Personal computer application software; Computer software; all being software for use in relation to mortgage, loans or finance or identity verification

Mortgage lending; Lending on mortgage; Money lending; Loan services; Loan financing; Provision of home loans; Credit (financing); Provision of credit; Financial credit services; Consultations relating to credit; Advisory services relating to loan services; Advice regarding lending services; Agency services for lending on mortgage; Mortgage brokerage; Financial services; Financial modelling services; Interest rate risk management; Financial lending

Administration of group insurance; Administration of insurance business; Administration of insurance claims; Administration of insurance portfolios; Insurance administration

Advice relating to insurance; Advisory services relating to insurance; Advisory services relating to insurance claims; Agency services for arranging travel insurance; Appraisals for insurance purposes; Arranging of insurance; Banking insurance; Brokerage advisory services relating to insurance; Brokerage of insurance; Business insurance underwriting; Commodities insurance; Consultancy services relating to insurance; Consultations (Insurance); Credit account insurance brokerage; Credit insurance underwriting; Estimates for insurance purposes; Extended guarantee insurance; Extended warranty insurance; Guarantee insurance services; Information services relating to insurance; Insurance; Insurance advice; Insurance advisory services; Insurance agency services; Insurance arranging services; Insurance brokerage; Insurance brokering; Insurance broking; Insurance claim assessments; Insurance claim settlements; Insurance claims adjustment services; Insurance consultancy; Insurance consultation services; Insurance for businesses; Insurance for legal expenses; Insurance for offices; Insurance for property owners; Insurance for third party liability; Insurance guarantees; Insurance information; Insurance investigations; Insurance loss assessment; Insurance management services; Insurance of goods while in transit; Insurance relating to property; Insurance risk management; Insurance services; Insurance services for the protection of mortgages; Insurance services relating to credit; Insurance services relating to goods; Insurance services relating to legal costs; Insurance services relating to property; Insurance underwriting; Legal expenses insurance; Management consultancy relating to insurance; Mortgage banking insurance; Mortgage insurance; Processing of insurance claims; Professional indemnity insurance; Provision of equipment guarantee insurance; Provision of insurance information; Provision of insurance premium quotations; Provision of mortgage loan insurance; Service insurance contracts; Transit insurance brokerage; Transit insurance underwriting; public liability insurance

Advice regarding credit; advisory services relating to credit; consultancy services relating to credit; consultations relating to credit; advisory services relating to financial matters; consultation services relating to financial matters; financial advisory services for companies; financial advisory services for individuals; insolvency services (financial); provision of information relating to financial services; debt management services; debt restructuring; financial management advisory services; advisory services relating to money management; debt restructuring; debt advisory services; provision of investment saving plans; savings scheme services; investment advice; advice relating to loan recovery services; advice regarding credit

Finance leasing; Lease purchase finance; Personal finance services; Provision of equipment finance; Provision of finance; Provision of lease-purchase finance facilities; Loan services; Loans (financing); Provision of consumer loans; Provision of consumer credit; Provision of credit facilities; Sales credit financing

Financial services, namely, investment advice, investment management, investment consultation, investment of funds for others, and raising debt and equity capital for the funding of investments; hedge fund investment services