FNB MY RISK MANAGER

Administration of savings accounts; administration of savings accounts, namely, of holiday and vacation club accounts; automated teller machine services; banking and financial services, namely, banking services in the nature of providing money market accounts; banking services; banking services, namely, direct deposit services; banking services, namely, night deposit services; checking account services; consumer and commercial lending services; electronic debit card issuance and transaction processing; debit card services, namely, issuing debit cards; payment processing services, namely, credit card and debit card transaction processing services; processing of debit card payments; debit card services, namely, electronic debit card transaction processing; electronic interactive banking services; financial analysis and consultation; financial clearing house services; financial exchange services; financial forecasting services; financial guarantee and surety services; financial information provided by electronic means; financial management services, namely, wealth management services; financial planning; financial portfolio management; financing services; financial services, namely, money lending; financial services, namely, providing individual retirement account services in the nature of self employed qualified retirement plans; financial services, namely, providing electronic remote check deposit services for deposit accounts; Financial services, namely, rent security account in the nature of maintaining escrow accounts for rental property transactions; financial valuation of personal property and real estate; home equity loans; installment loans; internet banking services; lease-purchase financing; loan financing; Savings account services, namely, money market account services; money transfer, electronic transfer of money, electronic funds transfer; night deposit services, namely, safe deposit box services; online banking services, namely, internet bill payment services; providing financial information in the nature of rates of exchange; safe deposit box services; savings account services; telephone banking services; consumer lending services; on-line consumer finance services, namely, consumer lending services; financing services, namely, financing housing for moderate income citizens; internet consumer finance services, namely, financing services; lease-purchase financing; lending services, namely, commercial and consumer lending services; subordinated note sales, namely, debt settlement services; appraisals and financial evaluation of insurance coverage claims of personal property and real estate; insurance actuarial, administration, agency, advisory in the nature of consultation, brokerage, consultation, and subrogation services in the fields of auto, life, health, long term care, property, casualty, accident, fire, marine, medical, pre-paid healthcare; insurance appraisal services, namely, appraisals for insurance claims of real estate and personal property; banking and financial information services for all of the foregoing provided via a global computer network