FLAGSTAR BANK. HOME OF THE HUMAN INTEREST RATE.

Banking and financing services; financial services, namely, consumer and commercial money lending services, mortgage planning services, mortgage financing and refinancing services, debt settlement services, wealth management services, funding online cash accounts from prepaid cash card services, deposit account services, namely, checking account services, savings account services, certificate of deposit services, namely, banking services featuring the provision of certificates of deposit, individual retirement account services, ATM banking services, debit card services, namely, provision and financial administration of a debit card savings program, debit card transaction processing services, processing of debit card payments; checking account services, savings account services, credit card services, namely, credit card issuance services, credit card authorization services, credit card factoring services, credit card transaction payment processing and merchant banking services; check verification services, treasury management services, namely, financial administration and management of a treasury, merchant banking services, sweep account services for administration, collection and management of finances, remote check deposit capture services, wire transfer services, banking services, namely, check image view services, online banking services, banking services, namely, cash vault services, controlled disbursement of funds services, fraud protection, namely, reimbursement of fraudulent charges detected in the field of bank accounts and credit card purchases; the purchase of residential mortgages on behalf of others and the issuance of mortgage-backed securities; mortgage services, namely, money lending for the purchase and refinance of commercial and consumer real estate, mortgage sub-servicing, namely, mortgage payment services; banking consultancy and advisory services and financial consultancy and advisory services related to all of the forgoing; safety deposit box services