F

BANKING AND FINANCIAL SERVICES, NAMELY, RETAIL BANKING SERVICES IN PARTICULAR DEPOSIT ACCOUNTS, PERSONAL CHECKING AND SAVINGS ACCOUNTS, namely, HEALTH-SAVINGS ACCOUNTS, SENIOR CHECKING ACCOUNTS, AND STUDENT CHECKING ACCOUNTS; HOME MORTGAGE LENDING AND SERVICING OF MORTGAGE LOANS; BUSINESS COMMERCIAL LOANS INCLUDING COMMERCIAL REAL ESTATE- RELATED LOANS, BUSINESS LINES OF CREDIT, COMMERCIAL LENDING, SMALL BUSINESS ADMINISTRATION FINANCING, EQUIPMENT AND FIXED ASSET LOANS; PERSONAL LOANS INCLUDING DISASTER RELIEF LOANS, AUTO LENDING AND BANKING, AND RECREATIONAL LOANS; PERSONAL LINES OF CREDIT, UNSECURED, CERTIFICATE OF DEPOSIT ("CD"), AND SAVINGS SECURED LOANS; AND PERSONAL INDIVIDUAL RETIREMENT ACCOUNT CONSULTING AND INVESTMENT PLANNING SERVICES