An interactive web site for users to review and rate internet content, people, companies, products and/or services utilizing a software application to award points whereby web site users are eligible to exchange points earned for promotional items consisting of coupons, rebates, discounts or special offerings on goods and/or service provided by web site sponsors; Facilitating group purchase of banking services; On-line posting of rewards for information; Providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; Providing statistical information and indexes of mortgages, interests, and prices for others

Banking; Banking and financing services; Banking consultation; Banking services; Banking services provided by mobile telephone connections; Electronic banking via a global computer network; Electronic financial service for the purchase of savings bonds; Financial services in the field of money lending; Financial services in the nature of an investment security; Financial services, namely, a total portfolio offering for high net worth clients consisting of both separate accounts and mutual funds for equity and fixed income investments; Financial services, namely, assisting others with the completion of financial transactions for stocks, bonds, securities and equities; Financial services, namely, business fund raising provided over a computer network such as the Internet; Financial services, namely, coordination, within a single account, of an investment portfolio's maintenance, trading, rebalancing, and tax management needs; Financial services, namely, credit repair and restoration; Financial services, namely, debt settlement; Financial services, namely, electronic remote check deposit services; Financial services, namely, estate settlement services; 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, money lending; Financial services, namely, mortgage planning; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; 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, providing information in the fields of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Financial services, namely, providing on-line stored value accounts in an electronic environment; Financial services, namely, savings programs for youths; Financial services, namely, the purchase of residential mortgages on behalf of others and the issuance of mortgage-backed securities; Home banking; Investment banking services; Issuance of bank checks; Issuing of bank cheques; Merchant banking and investment banking services; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; On-line banking services; Providing a web site where users can post ratings, reviews and recommendations on stocks, bonds, mutual funds and other financial instruments; Providing bank account information by telephone; Savings bank services; Savings banks; Wireless telephone payment services, namely, wireless mobile telephone rate plans