IDBBANKING

BANKING SERVICES, NAMELY SERVICES FOR PERSONAL AND BUSINESS CHECKING ACCOUNTS, MONEY MARKET ACCOUNTS, NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS AND SAVINGS ACCOUNTS; SERVICES FOR TIME DEPOSITS, COMMERCIAL, REAL ESTATE AND PERSONAL LOANS; SERVICES FOR SAFE DEPOSIT BOXES; DEPOSITORY SERVICES FOR U.S. TAXES AND SOCIAL SECURITY CHECKS; BROKERAGE IN THE FILED OF SECURITIES AND SECURITIES UNDERWRITING SERVICES; TRAVELERS' CHECKS ISSUANCE; SERVICES FOR FINANCING OF IMPORTS AND EXPORTS; ISSUING LETTERS OF CREDIT FOR OTHERS; FOREIGN CURRENCY EXCHANGE; ELECTRONIC FUNDS TRANSFER; FOREIGN DEBT RECOVERY AND COLLECTIONS; CONSULTATION SERVICES TO ARRANGE FOR INVESTING AND PORTFOLIO MANAGEMENT; CASH MANAGEMENT; FINANCIAL SERVICES, NAMELY DIRECT DEPOSIT OF PAYROLL; BANKING SERVICES, NAMELY, DEPOSITING DIVIDENDS FOR CUSTOMERS INTO CUSTOMERS' BANK ACCOUNTS; FINANCING EQUIPMENT LEASES; ISSUING MONEY ORDERS AND MULTI-CURRENCY PAYMENT ORDERS; PROVIDING LOCK BOX FACILITIES FOR CUSTOMERS; ISSUANCE AND REDEMPTION OF U.S. SAVINGS BONDS; FACTORING AGENCY SERVICES; FINANCIAL ANALYSIS AND CONSULTATION FOR ENHANCING CUSTOMERS' ASSETS AND BORROWING POWER; PROVIDING FINANCIAL INFORMATION BY ELECTRONIC MEANS; PROVIDING FINANCIAL INFORMATION ABOUT CUSTOMERS' ACCOUNTS INCLUDING ACCOUNT BALANCES AND TRANSACTIONS PROCESSED THROUGH FINANCIAL DATA PROCESSING EQUIPMENT; INTERNAL BOOK TRANSFERS, NAMELY, TRANSFER OF FUNDS BETWEEN CUSTOMERS' ACCOUNTS; WIRE PAYMENTS; MORTGAGE LENDING; CONSUMER LENDING SERVICES, NAMELY, ASSET BASED LENDING