CAVION

PROVIDING MULTIPLE USER ACCESS TO A GLOBAL COMPUTER NETWORK OR CLOSED COMPUTER NETWORK

PROVIDING TEMPORARY USE OF ON-LINE NON-DOWNLOADABLE SOFTWARE WHICH PROVIDES REMOTE ACCESS BANKING AND BILL PAYING CAPABILITIES, SMART CARD CAPABILITIES, REMOTE ACCESS CONSUMER LOAN APPLICATION CAPABILITIES, AND COMMUNICATION OF FUNDS CLEARING DATA, VIA A GLOBAL COMPUTER NETWORK OR CLOSED COMPUTER NETWORK