CITYWIDE BANKS

administration of health savings accounts (HSAs); automated clearinghouse (ACH) and wire transfer services; automated teller machine (ATM) banking services; banking and financing services; banking services provided by mobile telephone connections; bill payment services, namely, payment administration; checking account services; commercial banking services; credit and loan services; credit card services; currency trading, namely, forward exchange contracts; debit card services; electronic banking via a global computer network; electronic transfer of money; financial and investment research and analysis; financial planning; financial services, namely, issuing letters of credit and stand-by letters of credit; financial services, namely, electronic remote check deposit services; government guaranteed loan services; home equity loans; housing loans; individual retirement account services; investment portfolio management; issuing prepaid credit cards; issuing prepaid debit cards; issuing reloadable debit cards; issuing stored value cards; loan financing; lockbox processing services; merchant credit card processing services; money transfer services, namely, international wire transfer services; mortgage banking; online banking and bill payment services; online banking services; on-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount or when a fraudulent transaction has been made through the user's account; operating a website featuring information on the banking and financial services fields; providing financial and investment advisory and consultancy services; providing financial and investment information and news; purchasing card and business credit card services; safe deposit box services; savings account services; servicing of customer installment loans; small business banking services; sweep account services; zero balance account services