FIRST FEDERAL

Automatic teller machines; magnetically encoded credit cards; magnetically encoded debit cards; computer software for use in banking and financial industries, namely, computer communications software to allow customers to access bank account information and transact bank business via global computer networks; software enabling banking customers to transmit payment directly; software for use in connection with electronic funds transfers

Banking and related financing services; financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending services, mortgage lending, and loan financing; credit card services; debit card services; electronic payment services, namely, electronic processing and transmission of bill payment data; security services, namely, guaranteeing loans; cash management; mortgage banking; safety deposit box services; checking account services; savings account services; wire transfer services; automated teller machine services; investment services, namely, providing annuity services and certificate of deposit services; credit life insurance underwriting services; providing banking, financial and investment consultation and information via global computer networks; providing interactive banking, financial and investment consultation and information via global computer networks; and providing bank account information by telephone