Utilizing a combination of offices and the Internet plus special computer software, the company will provide an insured non-checking personal financial management account that utilizes a homeowner's equity to secure a loan used to purchase debit and equity securities

An Internet bank which offers banking products over the Internet,especially including the HomEquiVest Account, an integrated financial services account comprising loan, investment and insurance components

An Internet company offering online-- financial services comprising a loan component and an investment component and an insurance component