BLUE HEALTHBENEFIT BANK

Administration, financial management and maintenance of health savings accounts, medical savings accounts, health reimbursement arrangements and flexible spending accounts; offering consumer-driven health care plan, namely, underwriting, administration, financing, and maintenance of consumer-driven health care plans and defined contribution health care plans; debit card services, check cashing and check issuance, electronic debit transactions and electronic check processing transactions and providing financial information by electronic means via a global computer network, all of which are provided in connection with health care coverage plans; banking and financial services, namely, checking and savings account services, electronic funds transfer, cash management and disbursement services, lending services, acceptance of depositis and loan payments, check cashing and check issuance, electronic payment services, providing financial information by electronic means, providing secure financial transactions in the nature of electronic cash transactions, electronic check processing transactions, trustee services, security services, certificates of deposits, asset management services, stored-value card services, smart card services, credit card services, all of which are provided in connection with health care coverage plans