BLACK AMERICA'S BANK

BANKING AND FINANCIAL SERVICES, NAMELY-- DEPOSIT SERVICES, NAMELY DEPOSIT SERVICES FOR COMMERCIAL AND CONSUMER SAVINGS ACCOUNTS, COMMERCIAL AND CONSUMER CHECKING ACCOUNTS AND COMMERCIAL AND CONSUMER SAFE DEPOSIT BOXES; CONSUMER LOAN SERVICES, NAMELY LOAN FINANCING; INSTALLMENT PURCHASE SERVICES; MORTGAGE LOAN SERVICES, NAMELY ORIGINATION, FINANCING, SERVICING AND SECURITIZATION OF COMMERCIAL AND RESIDENTIAL MORTGAGE LOANS; CERTIFICATE OF DEPOSIT PURCHASE SERVICES; AND CREDIT CARD SERVICES