COMMUNITY BANKERS OF AMERICA

management of credit card and debit card services for others, namely, providing business management for financial institutions; market analysis; business marketing consulting services; and consultation in the area of assisting member banks in bank management

banking services; credit card services; debit card services; ATM card services, namely, ATM banking services; providing financial institutions with on-line information about their accounts and their card holders; loan financing; mortgage lending; mortgage financing; commercial lending services; brokerage in the fields of stocks, mutual funds, and annuities; automated securities brokerage; investment brokerage; investment consultation, management, and advice; on-line investments in the fields of securities, stocks, bonds, mutual funds, and annuities via a global computer information network; insurance brokerage; reinsurance underwriting; offering member banks access to life, disability, and credit insurance programs which member banks can then offer to customers; financial portfolio management, analysis, and planning; financial portfolio development services for others; financial analysis and consultation; financial information provided by electronic means; financing services; financial research and planning; providing financial services to member banks in the areas of loans, credit cards and investments, and financial analysis and consultation in the area of assisting member banks in financial management

educational services, namely, conducting seminars for member banks in the fields of banking, loans, finance, financial planning and readiness, bank profitability, and insurance profitability