FIRST NATIONAL BANK PRIVATE BANKING GROUP

Depository services, namely, administration of holiday and vacation club accounts, automated teller machine services; banking services; checking account services, credit card services, debit card services; banking services, namely, direct deposit services, electronic interactive banking services, financial information provided by electronic means, financial management services, financial clearing house services, financial guarantee and surety services, financial valuation of personal property and real estate, financial analysis and consultation, financial forecasting services, financial exchange services, financial portfolio management, financial planning, financing services, financing for low and moderate income persons, home equity loans, providing Individual Retirement Accounts, providing Self Employed Qualified Retirement Plans, Internet banking services, Internet bill payment, lease-purchase financing, lending services, namely, mortgage, consumer, retail and commercial loans, loan financing, money market account services, night deposit box services, providing financial information in the nature of rates of exchange, remote deposit services, rent security accounts, safe deposit box services, savings account services, telephone banking services, wire transfer services of money, information services for all of the foregoing provided via a global computer network; financial advice and brokerage services in connection with Individual Retirement Accounts; financial advice and brokerage services in connection with Self Employed Qualified Retirement Plans; capital investment consultation and advice; capital investment services; financial information provided by electronic/interactive means; electronic financial planning and banking services; financial investment advice and consultation; financial portfolio management; financial planning; financial information provided by electronic means; financial research; financial valuation of investment portfolio; financial information in the nature of rates of exchange, financial exchange, financial information in the nature of financial forecasting and financial guarantee and surety, financial analysis and consultation; financial and investment management; fund investment consultation; funds investment; individual investment advisory services; investment advice and brokerage services in the field of fixed and variable annuities; Internet investment and brokerage services, investment advice, investment consultation, investment management, investment advice and brokerage services in the field of mutual funds and securities; management and administration of defined benefit plans, profit sharing plans and non-qualified retirement plans; administration of municipal and county government employee pension services; mutual fund brokerage, distribution and investment services; financial risk management and consultation and planning in the fields of health care, disability, long-term care and life insurance; securities brokerage services, stock and bond portfolio management and advice, information services for all of the foregoing provided via a global computer network; consumer financing services and loan financing; electronic consumer finance services; financial valuation of personal property and real estate; financing housing for moderate income citizens; Internet consumer financing services; lease-purchase financing; lending services, namely, mortgage, consumer, retail and commercial loans, loan financing, brokerage of subordinated notes, namely, short-term debt securities, cash flow services, namely, providing cash to mortgage note holders in return for ownership of the note; information services for all of the foregoing provided via a global computer network; Insurance actuarial services including appraisal, administration, agency, brokerage, consultation, and subrogation in the fields of auto, life, health, long term care, property, casualty, accident, fire, marine, medical, pre-paid healthcare; appraisals and evaluation of insurance coverages of personal property and real estate; information services for all of the foregoing provided via a global computer network; business successor's financial planning; financial planning for retirement; maintaining and administering corporate escrow services and custodial services; corporate trust and bond transfer agency services; financial depository services related to trust and benefit accounts; education financial planning; providing educational funding in the nature of (529)i accounts; electronic interactive financial trust management account services; financial administration of employer retirement accounts; estate planning; trust management accounts services as trustee, executor and trust under will; estate planning services including living, testamentary and charitable remainder trusts; estate planning, settlement and administration; fiduciary representative services and trust administration; financial management in the nature of institutional custodial services; Internet trust management account services; estate planning for tax deduction and gifting programs; trust services, namely, investment and trust company services; and information services for all of the foregoing provided via a global computer network