Financial services; banking services; superannuation services; financial information services; issuing credit, debit, payment and smart cards; accepting and authorising financial transactions; credit, debit and smart card services; electronic funds transfer services; payment services using electronic and non-electronic means; on-line payment services; financial assistance services

Telecommunication and communication services; telecommunication of information (including web pages), computer programs and any other data; local, long distance and international voice, text, facsimile, video and data telecommunication services; telecommunication services for the collection, transmission, processing and storage of messages and data; electronic mail services; voice mail and messaging services; audio and video conferencing; provision of telecommunication access and links to computer databases and the Internet; rental of telecommunications equipment and systems; information services related to telecommunications; transmission of information on a wide range of topics, including on-line transmission