CORPORATION FOR AMERICAN BANKING A SUBSIDIARY OF THE AMERICAN BANKERS ASSOCIATION

[ ACCOUNTS RECEIVABLE MANAGEMENT PROGRAM, MARKETING OF FULL SERVICE INVESTMENT AND ANNUITY PROGRAMS OF OTHERS, AND A CUSTOMER APPRECIATION PROGRAM PROVIDING COMPLEMENTARY INSURANCE TO BANK CUSTOMERS ]

[ INSURANCE CONSULTATION SERVICES, LOAN MANAGEMENT AND INSURANCE SERVICES, ] BANK-SPONSORED INSURANCE CONSULTATION AND ADVISORY SERVICES, [ PROVIDING FLOOD HAZARD CERTIFICATION AND INFORMATION TO LENDERS FOR INSURANCE PURPOSES, ] ADMINISTRATION OF SUPPLEMENTAL EXECUTIVE AND DIRECTOR BENEFITS PROGRAMS, [ TELEPHONE CALLING CARD SERVICES ] AND ENVIRONMENTAL RISK MANAGEMENT SERVICES