Commonwealth Bank of Australia (the Bank) is a provider of integrated financial services, including retail, business and institutional banking, superannuation, life insurance, general insurance, funds management, broking services and finance company activities. It provides retail banking services within Australia, including housing loans, credit cards, personal loans, savings and check accounts, and demand and term deposits. The Bank offers commercial products within Australia, including business loans, equipment and trade finance, and rural and agribusiness products, and provides private banking services to high net worth individuals, and direct trading and margin lending. It also conducts Australian funds management business comprising wholesale and retail investment, superannuation and retirement funds. In December 2008, Commonwealth Bank of Australia announced the completion of the acquisition of the Bank of Western Australia Limited and St Andrew’s Australia Pty Limited.