20. Construction20. Construction

20. Construction

Include:

• borrowers engaged in special trade construction such as plumbing, earthmoving and dredging, painting etc.

21. Wholesale trade

Include:

• borrowers engaged in the resale of new or used goods to businesses or to institutional (including government) users.

22. Retail trade

Include:

• borrowers engaged in the resale of goods to final consumers for personal or household consumption; and

• borrowers engaged in the reselling their own goods by auction.

23. Transport and storage

Include:

• borrowers engaged in providing terminal and storage facilities; services related to transport; booking, travel, forwarding, materials handling etc.

24. Finance and insurance

Include:

• borrowers engaged in the provision of finance, investments in financial assets and in providing services to lenders, borrowers and investors; and

• borrowers engaged in the provision of insurance and superannuation, and in providing services to insurers.

25. Property and business services

Include:

• borrowers engaged in valuing, purchasing, selling, renting, leasing or managing

real estate;

• borrowers engaged in developing or subdividing land;

• borrowers engaged in scientific research and meteorological services;

• borrowers engaged in providing technical, legal, accounting and other business services; and

• borrowers engaged in renting and hiring equipment (except cars, trucks, and other transport equipment).

26. Cultural, recreational, personal and other services

Include:

• borrowers engaged in providing entertainment, recreational, library, museum, accommodation, and catering services;

• borrowers engaged in personal services such as laundries, hairdressing, photography, funerals;

• private households employing staff; and

• borrowers engaged in the provision of public order and safety services (such as police, prison and fire-brigade).

27. Government administration and defense

Include:

• borrowers engaged in Federal, State and local government enterprises engaged in public administration and regulatory activities;

• judicial authorities and commissions; and

• Army, Navy and Air Force establishments.

28. Health and community services

Include:

• borrowers engaged in providing health, welfare and employment services; and