Cellplus Prepaid and Post Paid were rebranded as Orange Prepay and Post Pay. Flexible mortgages allow for more freedom by the borrower to skip payments or prepay. Register House stamps were issued to prepay deeds registration fees relating to property. It could not be used to prepay postage or any other service. Soon, one will be able to prepay fares by using one's phone. The employer is not required to prepay into a fund for reimbursements. The number of homeowners in residential MBS securitizations who prepay increases when interest rates decrease. Membership was $100 per year, with option to prepay for up to 5 years. Upon investigation each had a negative prepay balance. Commencing in 2018 all bus routes are progressively being converted to prepay only by region. Patriot allows students to "prepay" for degrees (such as, D.Min. These services are known as PrePay or Opal only routes. Banking services are provided by PrePay Solutions, which is regulated by the Financial Conduct Authority. Bus stops within the CBD also became PrePay only bus stops on 22 June 2009. The first five Metrobus routes (M10-M40, M50) were also PrePay only since introduction.