Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet through traditional payment methods or rewards points; Issuance of bank checks or other means of providing cash back for purchases; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgages services,namely, buyer pre-qualification of mortgages for mortgage brokers and banks; On-line banking services.