CUT TO THE CHASE

BANKING SERVICES, NAMELY LOAN FINANCING SERVICES, CREDIT AND LOAN SERVICES, SAVINGS AND OTHER INTEREST ACCOUNT SERVICES, CHECKING ACCOUNT SERVICES, ISSUING TRAVELER'S CHECKS, DIRECT DEPOSIT SERVICES, DIVIDEND TRANSFER SERVICES TO CHECKING AND SAVINGS ACCOUNTS, SAFE DEPOSIT BOX SERVICES, ELECTRONIC BANKING, NAMELY AUTOMATED TELLER MACHINE SERVICES; PROVIDING INVESTMENT RATE INFORMATION BY TELEPHONE; BROKERAGE SERVICES INVOLVING STOCKS, BONDS, OPTIONS AND OTHER SECURITIES; INVESTMENT SERVICES INVOLVING BUSINESS, PROFESSIONAL AND INDIVIDUAL RETIREMENT PLANS, PENSIONS AND OTHER INVESTMENTS; ADMINISTERING HOME, AUTO AND LIFE INSURANCE POLICIES; CREDIT CARD SERVICES; ATM CARD SERVICES; FIDUCIARY AND OTHER TRUST DEPARTMENT SERVICES