GETSMART

Financial investment services in the field of securities; providing on-line financial information; banking services, namely, savings account services; providing a searchable on-line database featuring bank rates; electronic funds transfer services, namely, administration and processing of on-line bill payments and on-line person-to-person payments; insurance brokerage services; providing insurance information; bill payment services; electronic payment, namely, electronic processing and transmission of bill payment data; banking services, namely, account aggregation services whereby users can aggregate, organize all of their on-line accounts and manually add information regarding non-on-line accounts; administration and maintenance of on-line investment, banking, credit card, loan, insurance and mortgage accounts and on-line reward and mileage programs; providing credit card services to small businesses; providing a searchable online database in the field of automobile loans; administration of prepaid health care plans; providing extended warranties on retail merchandise purchased by credit card holders; providing bill consolidation services; and mortgage procurement for others

Providing on-line newsletters in the field of personal finance, securities and real estate; collecting and maintaining a user's personal data on-line so that the user need not reenter that data for subsequent on-line purchases or applications