BANK ON THE BRIGHT SIDE

Banking and financial services, namely, providing on-line stored value accounts in an electronic environment, money lending, savings programs for youths, mortgage planning, electronic remote check deposit services and mortgage refinancing; providing an internet website portal in the field of financial transaction and payment processing services; financial services, namely, credit union services offered to credit union members; checking account services, namely, debit account services featuring computer readable cards; electronic services, namely, online banking and electronic bill payment services; banking services provided by mobile telephone connections, namely, electronic remote check deposit services via a mobile device; direct deposit of funds to accounts, namely, electronic transfer of funds; savings account services, namely, basic savings accounts, money market accounts, term certificate of deposit accounts, education savings and youth account services and the administration of IRA accounts; loan services, namely, mortgage financing, home equity loans and lines of credit, vehicle financing loans, and personal loans and lines of credit; issuing credit cards; banking services, namely, commercial checking and savings account services, commercial money market and term certificate of deposit accounts; loan services, namely, providing commercial loans including commercial mortgage financing, modified term loans to avoid foreclosure, commercial lines of credit, and small business loans; issuing commercial credit cards; financial services, namely, commercial cash management, and commercial electronic remote check deposit services; maintaining escrow accounts for mortgages and loan transactions; on-line cash account services; providing a web site featuring information in the field of retirement account management for financial professionals; providing bank account information by telephone; savings account services; trust management accounts; advisory services relating to grants and financing of loans; arranging and provision of credit, loans, and travelers checks; credit and loan services; electronic loan origination and preparation services; financial loan consultation; financial services, namely, loss mitigation services for under- or non-performing mortgage loans; financial services, namely, loan default mitigation services, arranging of modified loan terms designed to prevent home foreclosure, vehicle title loans, and corporate workout, debt restructuring, and loan resolution for commercial loans; financing and loan services; financing of loans; home equity loans; installment loans; lease-purchase loans; mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; mortgage foreclosure mitigation and loan default mitigation services, namely, acquisition and lease-back of real estate; providing personal loans and lines of credit; providing revolving loans; saving and loan services; cash replacement rendered by credit card; credit card transaction processing services; processing of debit card and pre-paid purchase card payments; credit card authorization, factoring, payment processing and transaction processing services; credit card verification; electronic credit card transaction processing services; financial services, namely, administration of bank savings accounts and credit card accounts; fraud reimbursement services in the field of credit card purchases; issuance of credit cards; on-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; payment processing services, namely, credit card and debit card transaction processing services; providing cash and other rebates for credit card use as part of a customer loyalty program; providing electronic processing of credit card transactions and electronic payments via a global computer network; providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network