Financial services; monetary services; banking services; financial information services; financial and investment management and advice; superannuation services; accepting and authorising financial transactions; electronic funds transfer services; payment services including using electric and non-electric means; account structuring services; credit, debit and smart card services including issuing credit, debit, payment and smart cards; loan services; deferred payment and credit services including arranging of loans, providing and brokering interest free and other direct debit payment facilities; financial database services; hire-purchase services; sponsorship and fund raising services; trading of waste output permits and other regulated and non-regulated rights; trading and brokerage of energy, water, utility services, communications and information technology; insurance services including issuing of insurance, insurance brokerage and insurance information; information services concerning all of the foregoing