Hardison, Joseph H., III

OPTIBANK

Credit and cash card services; Credit card services; Credit card transaction processing services; Credit card verification; Electronic credit card transactions; Issuing credit cards; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Debit account services featuring a computer readable card; Debit card services; Payroll tax debiting services; Checking account services; Savings account services; Maintaining mortgage escrow accounts; Financial services, namely providing on-line stored value accounts in an electronic environment; Issuing stored value cards; Electronic transfers of money; Providing rebates at participating establishments of others through use of a membership card; Providing financial information in the nature of interest rate and investment account rankings; Bill payment services; Electronic payment, namely, electronic processing and transmission of bill payment data; Estate planning services; Brokerage of shares or stocks and other securities; Providing information in insurance matters; Insurance brokerage; Financial clearing houses; Financial consultation; Financial exchange; Financial information in the nature of rates of exchange; Financial information provided by electronic means; Financial information processing; Financial management; Financial planning; Financial portfolio management; Financial research; Financial services in the field of money lending; Financial services, namely, investment fund transfer and transaction services; Financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; Financial services, namely, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Financial services, namely, mortgage planning; Providing a web site where users can post ratings, reviews and recommendations on stocks, bonds, mutual funds and other financial instruments; Providing on-line financial calculators; Money lending;