36 Banking services; financial services, namely, financial planning services, financial consultancy services, financial information services, financial risk assessment services, estate planning services, investment advisory services, investment management services; insurance services, namely, insurance agency and brokerage services, including providing insurance premium rate quote; online banking; online financial and insurance services, namely, financial planning services, financial consultancy services, financial information services, financial risk assessment services, estate planning services, investment advisory services, investment management services, and insurance agency and brokerage services; banking, financial and insurance affairs, namely, financial advisory and consultancy and insurance advisory and consultancy for the wholesale and retail sector; corporate financial services, institutional financial services, wholesale financial services all in the nature of financial planning services, financial consultancy services, financial information services, financial risk assessment services, estate planning services, investment advisory services, investment management services; retail financial services, namely, providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores or by on-line means; retail financial services, namely, bill payment, check cashing, and money orders services; corporate, institutional, wholesale and retail lending and deposit services, namely, banking services; electronic funds transfer services; accepting and authorising financial transactions, namely, providing secure commercial transactions and payment options at a point of sale using a mobile device, electronic payment terminals or by on-line means; loan services, namely, arranging and providing loans; issuance of credit and debit cards; credit and debit card services, namely, processing of debit and credit card payments; financial affairs and monetary affairs, namely, banking services; brokerage services, namely, securities brokerage, share and options brokerage, insurance brokerage, mutual fund brokerage; financial portfolio administration; share trading, namely, on-line trading of shares and options; share brokerage; managed funds, namely, management of private equity funds and management of capital investment funds; marginal lending, namely, provision of margin loans for financing; superannuation, namely, establishment, operation and management of capital investment funds; financial information and investment information; online financial affairs, namely, online banking services and online financial consultancy; online monetary affairs, namely, monetary exchange; online insurance services, namely, insurance agency and brokerage services, including providing insurance premium rate quotes via on-line means; online financial analysis; online share trading, namely, on-line trading of shares, options; online share brokerage; online managed funds, namely, management of private equity funds and management of capital investment funds; online marginal lending, namely, consumer lending services and provision of margin loans for financing; online superannuation, namely, establishment, operation and management of capital investment funds; online financial information and online investment information