EARTHONE

Comprehensive banking and related financial services; namely, providing financial information, planning, consulting, counseling, research, analysis and management; mortgage banking and brokerage services, mortgage lending; consumer and commercial lending and leasing; escrow services; merchant banking services; deposit accounts, namely, checking and savings accounts, money market accounts and certificates of deposits; credit, debit and stored value card services; electronic payment, processing and transmission services consisting of electronic cash, check, credit card, funds transfer, bill payment data, and income tax return transactions; comprehensive investment services, namely, providing investment information, research, planning, advisory, analysis, consultation and management, investment banking services, corporate securities administration services, securities brokerage and dealer services in the areas of stocks, bonds, mutual funds, commodities, real estate and other securities or instruments of investment; comprehensive insurance services, namely, providing insurance information, administration, planning, consulting, research and analysis, insurance policy underwriting in the fields of property, casualty, medical and life, insurance and annuity brokerage/agency services in the areas of life, property, casualty and medical insurance; real estate brokerage; currency exchange services and information; providing banking, financial, credit, investment, insurance and real estate services and products through traditional means of distribution and via a global computer information network