COMMERCIAL BANK OF TEXAS, N.A.

Correspondent banking services, namely, loan origination services, loan brokerage services, loan servicing, and financial clearing house services; consumer, commercial, agricultural, and mortgage banking services; trust services, namely, investment and trust company services and trust management accounts; providing checking and savings account services; financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; financing services; automated teller machine services; electronic cash transactions; providing bank account information by telephone, electronically and via the Internet; check cashing; travelers' check issuance; money order services; safe deposit box services; check processing; check verification; debit card services; electronic bill payment services; financial and estate planning; estate trust management; correspondent banking services; guaranty cash management; credit card services; credit card verification; credit inquiry; evaluation of credit bureau data; fiduciary representatives; real estate trustee services; insurance agencies in the fields of home, life, accident, automobile, medical, property and casualty long-term care; insurance consultation; insurance administration in the fields of home, life and accident insurance; electronic processing of insurance claims and payment data; maintaining escrow accounts for investments; financial investment planning; investment management; mutual fund investment and distribution; financial portfolio management; financial research; fiscal assessment and evaluation; Agencies in the field of bonds and other securities