Financial services, including the receipt of deposits and the advancement of loans; services in this class provided through automatic teller machines, computer terminals, electronic funds transfer apparatus and Internet and portal access tools; credit card services; debit card services; smart card services and stored value card services; issuing, negotiating and processing of cheques and other monetary instruments; financial and investment advice; monetary affairs; insurance

Insurance including life insurance, health insurance, accident insurance, house insurance, professional liability insurance, motor vehicle insurance, ship, boat and water vehicle insurance, insurance broking, insurance underwriting; life assurance; financial affairs and monetary affairs including banking, money lending and borrowing, money deposit, capital and other investments, cash management trusts, property and equity trusts, credit card services, electronic funds transfer, electronic banking, home banking, computer banking, telephone banking, debit card services, money exchange, foreign currency exchange, financial consultancy, financial evaluation, financial information, financial management, guarantees, provision of lease finance, financial nominee services, safe deposits, travellers' cheques, broking services, trading in stocks, shares and securities, superannuation, trustee services in this class, superannuation administration services in this class; insurance and financial services in this class

Hotel reservations, temporary accommodation reservations; on line reservations for hotels and temporary accomodation, providing information in regard to hotel and temporary accommodation reservations; computer services including leasing or providing access time to computer databases

Telecommunication services

Computer hardware, computer software and computer programs; computer software designed to facilitate micro-payments to Internet retailers, merchants and content providers; computer software and hardware for person-to-person payments by electronic means; computer software comprising a digital or electronic wallet for storage of payment card and personal information and electronic cash or value in a personal computer or a centralized database; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidental customer information used by individuals, banking and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip (smart cards); charge cards, bank cards; credit cards, debit cards, pre-paid cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards, pre-paid cards and payment cards

Financial services; banking and credit services; providing payment card services; stored value electronic purse services; facilitating person-to-person payment services through electronic means; payment services involving micro-payments to Internet retailers, merchants and content providers with transaction information stored in a centralized database; providing micro-payment services for Internet content, including electronic documents, photographs and information; electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, travel insurance services; transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers' cheques and travel vouchers; advisory services relating to all the aforesaid services

Providing of food and drink; restaurants; cafes; fast food retail outlets; takeaway food servies; home delivery of food; catering and hospitality

Business management consultancy in relation to franchising; franchising services; providing business information; retail and wholesale of vehicles

Vehicle rental and leasing

Insurance including life insurance, health insurance, accident insurance, house insurance, professional liability insurance, motor vehicle insurance, ship, boat and water vehicle insurance, insurance broking, insurance underwriting; life assurance; financial affairs and monetary affairs including banking, money lending and borrowing, money deposit, capital and other investments, cash management trusts, property and equity trusts, credit card services, electronic funds transfer, electronic banking, home banking, computer banking, telephone banking, debit card services, money exchange, foreign currency exchange, financial consultancy, financial evaluation, financial information, financial management, guarantees, provision of lease finance, financial nominee services, safe deposits, travellers' cheques, broking services, trading in stocks, shares and securities, superannuation, trustee services in this class, superannuation administration services in this class, real estate affairs including real estate valuations, real estate agency services, real estate management, real estate investment; insurance, financial or real estate services in this class

Computer software and users' manuals sold as a unit therewith

Providing an interactive web site from which information, details of research and developments and the results of tests conducted, primarily in the fields of pharmacology, drug discovery, bioanalysis, biotechnology, biosafety and chemistry, can be accessed or recovered