AMERICAN BUSINESS BANK, N. A.

Full service commercial and personal banking services, namely, checking and savings account services, mortgage services; trust services in the nature of estate trust management and real estate trustee services, financial services, namely, financial analysis and consultation, financial forecasting, financial information provided by electronic means, commercial and private lending services, construction loans, home equity loans, lines of credit, credit card services, letters of credit and equipment leasing services, financial investment services in the field of securities, mutual funds, bonds, real estate, money markets, certificates of deposit and other interest bearing investments and portfolio management