Medical marijuana, cannabis, cannabis oils, and cannabis derivatives for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; medical marijuana, cannabis and cannabis derivatives in the form of pills, tablets, capsules, sublingual doses, and oral sprays for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; medical marijuana, cannabis and cannabis derivatives in the form of suppositories, skin patches, and mucous membrane doses for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; food for medicinal and health purposes containing cannabis or cannabis derivatives, namely almond butter, bagels, biscotti, biscuit mixes, biscuits, bread mix, bread, brownie mix, brownies, butter, cake mix, cakes, candied fruit, candied nuts, candy mints, candy, cannabis based snack food, cannabis flour, cannabis hashes, cannabis oils, cannabis pastes, cannabis powders, cannabis resins, cashew nut butter, cereal, chewing gum, chocolate bars, chocolate confectionery, chocolate covered nuts, chocolate covered pretzels, chocolate, confectionery, cookie mix, cookies, corn chips, corn-based snack food, cotton candy, crackers, crystallized fruit, dairy products, decarboxylate cannabis to be added to food, dessert mixes, dressings for salad, dried fruit, dried fruit-based snack bars, dried herbs for food purposes, dried vegetables, edible dried flowers, edible oils, energy bars, extracts for soups, food flavourings, food seasonings, frozen confectionery, frozen desserts, frozen flavoured waters, frozen yoghurt, fruit bars, fruit chips, fruit ices, fruit spreads, granola bars, granola, gummies, hard candies, hot sauce, ice cream bars, ice cream, instant soup, jam, jelly, lollipops, marinades, muffins, nut-based snack mixes, oil extracts, oils for food, pasta, peanut butter, pickled vegetables, pies, pizza, popcorn, potato chips, potato sticks, powdered cannabis to be added to food, powdered oils for food, pretzels, protein powder, pudding, salted biscuits, soya milk, tempeh, tofu, tortilla chips, and yoghurt for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; beverages for medicinal and health purposes containing cannabis or cannabis derivatives, namely alcohol-free beers, almond milk, almond milk-based beverages, antioxidant juice drinks, bottled water, cannabis concentrates, cannabis extracts cannabis liquids, cannabis tinctures, cannabis tonics, carbonated soft drinks, carbonated water, coconut milk beverages, coconut water, coffee based beverages, coffee, cola beverages, drinking water infused with cannabis, drinking water, energy drinks, flat water, flavoured water, flavourings of tea, fruit beverages, fruit flavoured beverages, fruit juices, fruit teas, fruit-based drinks, ginger ale, ginger beer, herbal concentrates for making beverages, herbal flavourings for making beverages, herbal tea beverages, herbal tea, iced coffee, iced tea, lemonade, milk drinks containing fruits, milk products, milk, mineral water, non-alcoholic beer, non-alcoholic beverages flavored with tea, non-alcoholic carbonated beverages infused with cannabis extracts, non-alcoholic chocolate-based beverages, non-alcoholic cocktails, non-alcoholic coffee-based beverages, non-alcoholic tea-based beverages, non-alcoholic uncarbonated beverages infused with cannabis extracts, non-dairy soy beverages, root beer, smoothies, soft drinks, sports drinks containing electrolytes, sweet cider, tea, tonic water, vegetable juice beverages, vegetable-based juices, vitamin enhanced fruit juice, and vitamin enhanced water for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; supplements for medicinal and health purposes containing cannabis or cannabis derivatives for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; medicated skincare products and cosmetics containing cannabis or cannabis derivatives for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; pharmaceutical preparations containing cannabis or cannabis derivatives for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; nutraceuticals for medicinal purposes containing cannabis or cannabis derivatives for the treatment and relief of nausea caused by chemotherapy, muscle spasms caused by multiple sclerosis, nerve pain, loss of appetite, anxiety, stress, fatigue, pain, nausea, vomiting, muscle tension, muscle spasms, tension, epilepsy, glaucoma, multiple sclerosis, arthritis, Parkinson's disease, cancer, gastrointestinal illness, spinal cord injury, anxiety, bi-polar disorder, depression, insomnia, autoimmune disorders, to provide mood enhancement and an improved sense of well-being; personal sexual lubricants containing cannabis or cannabis derivatives; bags and cases specially adapted for holding or carrying medical marijuana.

Agricultural equipment for the cultivation of marijuana and cannabis, namely agricultural equipment for seeding, agricultural cultivators, agricultural plows, agricultural land fertilizing equipment, agricultural trimmers, agricultural pickers, agricultural scales, agricultural sorting equipment, agricultural drying equipment, agricultural drying racks, agricultural irrigation equipment, agricultural lighting equipment; agricultural equipment for the cultivation of medical marijuana and medical cannabis, namely agricultural equipment for seeding, agricultural cultivators, agricultural plows, agricultural land fertilizing equipment, agricultural trimmers, agricultural pickers, agricultural scales, agricultural sorting equipment, agricultural drying equipment, agricultural drying racks, agricultural irrigation equipment, agricultural lighting equipment.9(5) On-line downloadable and electronic publications namely, newsletters, flyers, brochures, and pamphlets in the fields of healthcare, wellness, medical marijuana, medical cannabis, marijuana, and cannabis; software in the in the field of marijuana and cannabis to allow users to purchase cannabis, cannabis derivatives, and cannabis related products; software in the field of marijuana and cannabis to allow users with prescriptions or other medical documents to purchase medical cannabis, cannabis derivatives, and cannabis related products; software in the in the field of marijuana and cannabis to allow users to provide information, self-study programs, courses, tests, and quizzes in the field of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, cannabis related services, cannabis related information, cannabis laws, cannabis regulations, cannabis chemistry, cannabis biology, cannabis history, cannabis titration and dosage schedules; sunglasses; eyeglasses; sunglass frames; eyeglass frames; sunglass cases; eyeglass cases; sunglass cords; eyeglass cords; hard hats; batteries for electronic cigarettes and vaporizers; chargers for electronic cigarettes and vaporizers; phone cases; online educational publications in the field of marijuana and cannabis.

Printed publications namely, newsletters, flyers, brochures, and pamphlets in the fields of healthcare, wellness, medical marijuana, medical cannabis, marijuana, and cannabis; educational printed publications in the field of marijuana and cannabis; guides and manuals in the field of cannabis; cookbooks; money clips; envelopes for stationery; notebooks; paper stationery; pencils; pens; stationery agendas; stationery labels; stationery stickers; writing paper pads; writing stationery.

Bags, namely all-purpose sport bags, all-purpose athletic bags, backpacks, bags with rolling wheels, bags, carry-all bags, cosmetic bags, courier bags, duffle bags, handbags, luggage, messenger bags, purses, school bags, shopping bags, tote bags, and travel bags; labels and tags for luggage; business card cases; umbrellas; walking sticks; wallets; clothing for pets.

Clothing, namely, aprons, athletic tights, athletic clothing, bath robes, beachwear, blazers, casual clothing, coats, coveralls, dress clothing, gloves, golf shirts, headbands, dresses, hooded sweatshirts, jackets, lab coats, long-sleeved t-shirts, loungewear, mittens, outdoor winter clothing, pajamas, pants, shorts, shirts, skirts, sleepwear, suits, socks, sweaters, sweatpants, sweatshirts, tank tops, tights, t-shirts, undergarments, underwear, boxer shorts, vests, leggings, leg warmers, ponchos, costumes, raincoats, staff uniforms and doctor and pharmacist lab coats; pocket squares; footwear, namely flip-flops, sandals, shoes, athletic shoes, slippers, boots, moccasins and sneakers; headwear, namely golf caps, hats, baseball caps, caps, visors, toques, novelty hats, beanies, headbands, earbands and earwarmers.

Yoga mats.

Edible oils and edible butters containing cannabis plant derivatives; food and beverage products containing cannabis or cannabis derivatives, namely almond butter, almond milk, almond milk-based beverages, butter, candied fruit, candied nuts, cannabis concentrates, cannabis extracts, cannabis hashes, cannabis liquids, cannabis oils, cannabis pastes, cannabis powders, cannabis resins, cannabis tinctures, cannabis tonics, cashew nut butter, coconut milk beverages, crystallized fruit, dairy products, dried fruit, dried fruit-based snack bars, dried vegetables, edible dried flowers, edible oils, extracts for soups, fruit bars, fruit chips, fruit spreads, instant soup, jam, jelly, milk drinks containing fruits, milk products, milk, nut-based snack mixes, oil extracts, oils for food, peanut butter, pickled vegetables, potato chips, potato sticks, powdered oils for food, protein powder, soya milk, tempeh, tofu and yoghurt; cannabis oil for food; hemp oil for food; edible oils; processed hemp seeds; hemp milk for use as a milk substitute; prepared marijuana and cannabis seeds for food; cannabis-based butter; candied nuts infused with cannabis oil; flavoured nuts infused with cannabis oil; cannabis concentrates; cannabis extracts; cannabis hashes; cannabis liquids; cannabis pastes; cannabis powders; cannabis resins; cannabis tinctures; cannabis tonics; decarboxylate cannabis to be added to food.

Food and beverage products containing cannabis or cannabis derivatives, namely bagels, beverage flavourings, biscotti, biscuits, biscuit mixes, bread, bread mix, brownies, brownie mix, cakes, cake mix, candy, candy mints, cannabis based snack food, cannabis flour, cereal, chewing gum, chocolate covered pretzels, chocolate, chocolate bars, chocolate confectionery, chocolate covered nuts, coffee based beverages, coffee, confectionery, cookies, cookie mix, corn chips, corn-based snack food, crackers, cotton candy, dessert mixes, dressings for salad, dried herbs for food purposes, energy bars, flavourings of tea, food flavourings, food seasonings, frozen desserts, frozen confectionery, frozen flavoured waters, frozen yoghurt, fruit ices, fruit teas, granola bars, granola, gummies, hard candies, herbal concentrates for making beverages, herbal flavourings for making beverages, herbal tea beverages, herbal tea, hot sauce, ice cream, ice cream bars, iced coffee, iced tea, lollipops, muffins, marinades, non-alcoholic chocolate-based beverages, non-alcoholic coffee-based beverages, non-alcoholic tea-based beverages, pasta, pies, pizza, popcorn, powdered cannabis to be added to food, pretzels, pudding, salted biscuits, tea and tortilla chips; food and edible treats for pets containing cannabis or cannabis derivatives; decarboxylate cannabis to be added to food.

Cannabis in its various forms namely live cannabis plants, cannabis seeds, fresh cannabis; marijuana in its various forms namely live marijuana plants, marijuana seeds, fresh marijuana; live plants and seeds for horticultural purposes.

Non-alcoholic beverages containing cannabis or cannabis derivatives, namely alcohol-free beers, antioxidant juice drinks, bottled water, carbonated soft drinks, carbonated water, coconut water, cola beverages, drinking water infused with cannabis, drinking water, energy drinks, flat water, flavoured beers, flavoured water, fruit beverages, fruit flavoured beverages, fruit juices, fruit-based drinks, ginger ale, ginger beer, lemonade, mineral water, non-alcoholic beer, non-alcoholic beverages flavored with tea, non-alcoholic carbonated beverages infused with cannabis extracts, non-alcoholic cocktails, non-alcoholic uncarbonated beverages infused with cannabis extracts, non-dairy soy beverages, root beer, smoothies, soft drinks, sports drinks containing electrolytes, sweet cider, tonic water, vegetable juice beverages, vegetable-based juices vitamin enhanced fruit juice, and vitamin enhanced water; flavouring syrups and powders for making beverages containing cannabis or cannabis derivatives.

Ashtrays; bags and cases specially adapted for holding or carrying marijuana, cannabis, cannabis oils and accessories; cannabis accessories for the preparation, use and storage of cannabis, namely bongs, bowls, hookahs, rollers, humidors, pipe cleaners, pipe screens, pipe filters, pipe pouches, smoking pipes, rolling papers, blunts, roach clips, pill bottles, storage containers, cases, lighters, matches, torches, grinders and grinder cards, weighing scales, smoking pipes, pouches for use with cannabis, rolling trays and mats, pipe and bong cleaners, cleaning brushes specially adapted for cleaning smoking apparatus, pouches, deodorizers, humidifiers, trays, mirrors, pots for potted plants, jars, tins, and bags; cannabis cigarettes; cannabis for recreational use; cannabis in its various forms namely dried cannabis; cannabis oil for electronic cigarettes; cannabis oil for oral vaporizers for smoking; cannabis products for recreational use, namely, oils, capsules, gel capsules, and sprays; cannabis products for recreational use, namely, salves, concentrated pastes, tinctures, hashish, resins, and tablets; cannabis tinctures, shatter, wax, concentrates and budder for recreational smoking; cannabis-derived resins and oils for recreational smoking and for use in oral vaporizers; cigarette rolling machines; flavourings for cannabis oil for use in oral vaporizers for smoking; hashish for smoking; oral vaporizers; herbs for smoking; herbs for use as a tobacco substitute; joint rolling machines; liquid solutions containing marijuana, cannabis, cannabis derivatives, or cannabis oil for use in electronic cigarettes, oral vaporizers, and oral vaporizer pens; marijuana cigarettes; marijuana for recreational use; marijuana in its various forms namely dried marijuana; marijuana, cannabis and derivatives thereof; pre-rolled joints containing cannabis or cannabis derivatives; products for administering marijuana and cannabis, namely, atomizers, oral vaporizers, electronic smoking pipes, and electronic cigarettes; products for administering marijuana and cannabis, namely, pipes, hand pipes, water pipes, cannabis pipes, hookahs, and nebulizers; scooper/scraper stick for cannabis oil; snuffboxes adapted for marijuana and cannabis; tetrahydrocannabinol [thc] oil for oral vaporizers for smoking.

Retail and online sales of herbs for smoking, and herbs for use as a tobacco substitute; retail and online sales of raw natural cannabis resins; retail and online sales of hemp; retail and online sales of marijuana, cannabis, cannabis derivatives, and cannabis related products; retail, online, and wholesale sale of medical marijuana, medical cannabis, medical cannabis derivatives, and medical cannabis related products; development, management and operation of businesses in the fields of marijuana, cannabis, cannabis derivatives, and cannabis related products; development, management and operation of businesses in the fields of medical marijuana, medical cannabis, medical cannabis derivatives, and medical cannabis related products; advertising the goods and services of others; promotional services, namely promoting the goods and services of others; retail, online, and wholesale sale services in the fields of marijuana, cannabis, cannabis derivatives, and cannabis related products; business management consultancy for third parties in the fields of marijuana, cannabis, cannabis related products and services in relation to cannabis; business management consultancy for third parties in the fields of medical marijuana, medical cannabis, medical cannabis related products and services in relation to medical cannabis; import and export of marijuana and cannabis and their related and derivative products to government approved sources in other countries; membership services and customer and patient loyalty services; sale of cannabis, cannabis derivatives, and cannabis related products via a website.

Operation of an online bulletin board for publishing of information about marijuana, cannabis, cannabis related products, cannabis related services, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives; providing access to a website featuring the ratings, reviews and recommendations on cannabis related products and services for commercial purposes posted by users in the fields of marijuana and cannabis; providing access to an educational website providing information, self-study programs, courses, tests, and quizzes in the field of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, cannabis related services, cannabis related information, cannabis laws, cannabis regulations, cannabis chemistry, cannabis biology, cannabis history, cannabis titration and dosage schedules; providing access to an educational website providing information to healthcare professionals, health care workers, caregivers and patients in the field of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, and cannabis related services.

Packaging of marijuana and cannabis, cannabis related products, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives; warehousing services for marijuana and cannabis, cannabis related products, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives; storage of marijuana and cannabis, cannabis related products, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives; distribution and transportation of marijuana and cannabis, cannabis related products, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives; distribution, transportation, and retail sale of cannabis and marijuana.

Processing and production of medical marijuana, medical cannabis, marijuana, cannabis and cannabis derivatives; production of marijuana and cannabis; processing of marijuana and cannabis.

Providing information to users on the sale of cannabis, cannabis derivatives, and cannabis related products; providing educational information, self-study programs, courses, tests, and quizzes in the field of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, cannabis related services, cannabis related information, cannabis laws, cannabis regulations, cannabis chemistry, cannabis biology, cannabis history, cannabis titration and dosage schedules via a website; providing educational information to healthcare professionals, health care workers, caregivers and patients in the field of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, and cannabis related services via a website; educational services in the field of medical cannabis and medical marijuana; educational services in the fields of employment, occupational health and healthcare in the field of medical cannabis, medical marijuana, recreational cannabis, recreational marijuana; educational services in the field of marijuana and cannabis; education and training services, namely providing seminars, conferences, webinars, webcasts, podcasts, videos, workshops and an educational website in the fields of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, and cannabis related services; education and training services provided to healthcare professionals, caregivers and patients in the field of medical cannabis, medical marijuana, marijuana, cannabis, cannabis derivatives, cannabis related products, and cannabis related services.

Research and development in the field of wellness, medical marijuana, medical cannabis, healthcare in the field of medical cannabis, medical marijuana, recreational cannabis, recreational marijuana and wellness in the field of medical cannabis, medical marijuana, recreational cannabis, recreational marijuana; scientific research, laboratory testing, analysis and development services in the fields of marijuana and cannabis, cannabis related products, derivatives of cannabis, cannabis production, and natural health products containing cannabis.

Advisory services in the fields of marijuana, cannabis, cannabis derivatives, and cannabis related products; advisory services in the fields of medical marijuana, medical cannabis, medical cannabis derivatives, and medical cannabis related products; consulting services in the fields of marijuana, cannabis, cannabis derivatives, and cannabis related products; consulting services in the fields of medical marijuana, medical cannabis, medical cannabis derivatives, and medical cannabis related products; counselling services in the fields of marijuana, cannabis, cannabis derivatives, and cannabis related products; counselling services in the fields of medical marijuana, medical cannabis, medical cannabis derivatives, and medical cannabis related products; providing information about marijuana, cannabis, cannabis related products, cannabis related services, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives via a website; operation of medical clinics providing medical care services namely, medical cannabis therapy, pain management, physiotherapy, chiropracty, osteopathy, registered massage therapy, laser therapy, yoga, meditation, massage, active lifestyle services, fitness classes, coaching, nutritional counseling services, acupuncture, reflexology, and cannabis related medical care; consulting and support services related to medical marijuana and medical cannabis in the fields of healthcare, rehabilitation, social work, employment, litigation, and occupational health; operation of medical clinics; cultivating, breeding, growing, and development of marijuana and cannabis; horticulture; medical marijuana and medical cannabis dispensary services; online medical marijuana and medical cannabis dispensary services; marijuana and cannabis dispensary services; online marijuana and cannabis dispensary services; consulting and advisory services in the field of medical marijuana and cannabis; operation of wellness clinics providing wellness related services namely yoga, meditation, massage, active lifestyle services, fitness classes, coaching, nutritional counseling services, acupuncture, reflexology, cannabis related wellness care, cannabis therapy, pain management, physiotherapy, chiropracty, osteopathy, registered massage therapy, and laser therapy; consulting and support services related to wellness related services namely yoga, meditation, massage, active lifestyle services, fitness classes, coaching, nutritional counseling services, acupuncture, relexology, and cannabis related wellness care; operation of wellness centres; plant seeding; gardening; plant nurseries; rental of hothouse and greenhouse facilities for horticulture; operation of marijuana and cannabis cultivation facility; operation of marijuana and cannabis production facility; prescription services allowing users to purchase medical cannabis, cannabis derivatives, and cannabis related products via a website.

Consulting and advisory services in the field of licensing in the medical marijuana, marijuana, and cannabis industry; computer services, namely, online social networking services for registered users to participate in discussions, get feedback from their peers, from virtual communities, and engage in social networking in the fields of marijuana, cannabis, cannabis related products, cannabis related services, derivatives of cannabis, cannabis seeds, cannabis strains, and products containing cannabis or cannabis derivatives.

Mortgage services including the approval of mortgage financing; the granting and loaning of funds secured by mortgage or hypothecation; services incidental to and associated with those of a mortgage lending institution.