A WORLD OF DIFFERENCE

FINANCIAL, BANKING, TRUST, AND INVESTMENT SERVICES, NAMELY, MORTGAGE LENDING SERVICES, MORTGAGE BANKING SERVICES, PERSONAL, BUSINESS AND COMMERCIAL BANKING SERVICES, INDIVIDUAL RETIREMENT ACCOUNT SERVICES, CHECKING, SAVINGS, AND MONEY MARKET ACCOUNT SERVICES; CREDIT CARD AND LINE OF CREDIT SERVICES; FINANCIAL PLANNING SERVICES; ELECTRONIC TRANSFERS OF FUNDS; TRUST AND FIDUCIARY SERVICES, NAMELY, ACTING AS FIDUCIARY REPRESENTATIVES; INVESTMENT MANAGEMENT CONSULTING SERVICES; FINANCIAL AND INVESTMENT ADVISORY SERVICES; FINANCIAL CONSULTATION SERVICES IN THE FIELD OF CHARITABLE FOUNDATIONS; FAMILY BUSINESS OFFICE SERVICES, NAMELY, INVESTMENT ADVISORY SERVICES, BILL PAYMENT SERVICES, REAL ESTATE MANAGEMENT, AND CHARITABLE CONTRIBUTION MANAGEMENT; ESTATE PLANNING; INSURANCE BROKERAGE SERVICES FOR PROPERTY, CASUALTY, LIFE INSURANCE AND ANNUITIES; CONSULTING SERVICES IN THE FIELD OF FIDUCIARY REPRESENTATIVES; RETIREMENT PLANNING SERVICES; AND COMMERCIAL, CONSUMER, PERSONAL AND REAL ESTATE LENDING SERVICES