FIRST CITIZENS BANK

[ Payroll administration, preparation, processing, and management services ]

[ Payroll tax debiting services; ] insurance consultancy services; insurance brokerage services; insurance underwriting services for all types of insurance; mortgage banking services; mortgage lending services; mortgage refinancing services; financial services, namely, equipment financing, financial loan consultation, financial risk management consultation, financial valuations, financing services, financial planning and management, money lending, financial planning for retirement, wealth management services, financial advice and consultation services, merchant financial services being payment transaction processing services, financial asset management, financial forecasting, financial investment brokerage, financial trust planning, estate planning and wealth transfer advice, financial strategies for tax management; payment processing services, namely, electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments