Financing loans for consumers and businesses; Banking services; Electronic loan origination services; Providing personal loans and lines of credit; Credit risk management, namely, analyzing and evaluating credit risks; Online banking services; Issuing of credit cards; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Checking account services; Savings account services; Merchant services, namely, payment transaction processing services

Providing a web site featuring temporary use of non-downloadable software for loan underwriting, fraud detection, volatility forecasting, account management, loan collections, and credit evaluation and monitoring; Providing a web site featuring temporary use of non-downloadable software to allow customers to access loan accounts and lines of credit information and transact loan related business; Providing a web site featuring temporary use of non-downloadable software for filling out and submitting loan and line of credit applications and for managing and paying on loans and lines of credit