HMB

Banking; issuance of credit cards and of prepaid debit cards; electronic funds transfer; installment loans; insurance brokerage; insurance information; loan financing and underwriting; escrow services, namely, maintaining escrow accounts for investments; checking account services

Educational services, namely, providing seminars, conferences and training in the fields of banking, financial services, personal finance, and financial management; blogging services, namely, providing on-line journals in the nature of blogs in the fields of banking, financial services, personal finance, and financial management

Integrated automated distribution and decision-making solutions in the nature of platform as a service (PAAS) featuring web and mobile based computer software platforms for, and providing temporary use of online non-downloadable software for transparent loan decisioning, analysis and evaluation, and for transparent bank account decisioning, evaluation and creation; platform as a service (PAAS) featuring a web and mobile computer software platform, and providing temporary use of online non-downloadable software for, loan decisioning for use with financial planning applications for the mortgage lending industry; providing temporary use of online non-downloadable computer software that provides web-based access to applications and services for use in loan pricing in the mortgage industry; platform as a service (PAAS) featuring a web and mobile based computer software platform and providing temporary use of online non-downloadable computer software for use in the preparation and processing of mortgage loan applications, mortgage loans for sale, and processing of data and documents in relation to loan servicing