FIRST NATIONAL BANK OF NEW YORK

Banking and financial services, namely, providing personal checking, savings, certificate of deposit and IRA accounts; maintaining escrow accounts for apartment security and business contracts; financial management and financial administration of accounts to assure integrity of interest earned on lawyers' trust accounts, said accounts known as Interest on Lawyers Trust Accounts (IOLTA) and New York State Interest on Lawyer Account fund (IOLA) accounts, tenant security accounts and sweep accounts; business checking and money market account services; loan services for business loans; commercial and equity credit line services; home equity loan services; online/mobile banking and remote deposit services; lock box services; debit card services; automated coin counter services; financial clearing houses; estate trust management services; and electronic payment processing services