FIRST UNION FIRST ACCESS

banking services rendered to customers via on-line entry to a computer system through which customers can apply for loans, monitor deposit and credit accounts, initiate banking transactions, apply for credit cards, receive promotional information on available banking services, and transact other banking services, and banking services rendered to customers via credit card through which customers can purchase goods and services, obtain cash advances, and obtain entry to a computer system to monitor and initiate transactions in other deposit and credit accounts with the bank