ASTORIA BANK

Banking services; financial services, namely, mortgage lending, providing consumer loans, providing lines of credit, providing revolving credit, providing small business loans, administration of savings accounts, administration of checking accounts, administration of money market accounts, issuing certificates of deposit, issuing ATM debit cards and ATM banking services, debit and credit card services, trust management accounts, providing foreign currency exchange, safe deposit box services, issuing of travelers checks, wire money transfers, mutual fund investment and brokerage, administration of fixed annuities, administration of variable annuities, administration of college savings accounts, cash management services, payroll tax debiting services, lock box safe deposit services, financial administration of retirement plans, merchant credit card services, issuing letters of credit, online banking with bill payment services, administration of landlord operating savings accounts; insurance services and products, namely, insurance brokerage in the field of term life, whole life, universal life, variable life, long term care, disability income, mortgage term, home owner and renter, and personal umbrella insurance