HELM BANK USA

Banking services, namely, checking account services, savings account services, certificate of deposit account services, demand deposit services, time deposit services, on-line banking services, credit card services, debit card services, automated teller machine services, direct deposit services, commercial, consumer and mortgage lending services, the foregoing not including investment services related to energy ventures and real estate, financial valuation of locomotives, rail cars and components and parts therefor, and financing of locomotives, rail cars and components and parts therefor