BELIEVING IN PEOPLE

Individual, commercial and small business banking, investment and financial services, namely checking accounts, savings accounts, issuing certificates of deposit, providing unsecured personal lines of credit, consumer loans, mortgage loans, home equity loans and lines of credit, credit cards, providing commercial and small business loans including lines of credit, commercial cash management services, distribution of annuities, bill payment services, trust services and retirement planning, and providing all of the foregoing services by traditional methods, by telephone, and by a global computer network, and safe deposit box rental