BANK HAPOALIM

banking services; financial services, namely, money and commercial lending services, issuance of letters of credit, bankers' acceptances, collections, and trade finance services; electronic funds transfer services; financing services, namely, loan, project, securitization, banking, syndication and venture capital financing and loan and asset securitization; depository services, namely, accepting FDIC-insured and uninsured deposits and providing deposit accounts; consultancy in relation to the foregoing; commercial real estate loans; broker-dealer services, namely, equities, bonds, stocks, commodities and futures brokerage services, mutual fund brokerage, brokerage of shares and other securities, investment brokerage services, and institutional equity and fixed income instrument brokerage; investment services, namely, asset acquisition, consultation, and development services; trust services, namely, trustee and trust company services; electronic banking services; commodities exchange services, currency exchange, financial and monetary exchange, foreign exchange information services and futures exchange services; investment of funds, and fiduciary services; lease purchase financing and lease securitizations; financial and monetary affairs, namely, cash and foreign exchange transactions; financial services in the nature of offering credit for and structuring of equipment and synthetic leases; equity capital investment; establishing credit, namely, evaluation of the credit worthiness of commercial and non-commercial entities and advances of credit and loans to such parties