FIRST NATIONAL BANK OF THE GULF COAST THE GOLDEN RULE BANK 1

Banking and financial services, namely, commercial lending services; consumer lending services, namely, home equity loans and credit card services; personal property lending services, namely, lease-purchase financing for equipment; commercial and residential real estate lending services; accounts receivable financing, namely, accounts-receivable money lending services; unsecured money lending services; savings account services, namely, certificates of deposit savings account services and money market savings account services; demand-deposit account services, namely, checking account services and money-market checking account services; individual retirement account services; electronic funds transfer services; safe-deposit box services; on-line banking services, corporate and small business financial services, namely, providing working capital; and financial asset management services, cash management services, and investment management services