MAGIC OF HOMEOWNERSHIP

Mortgage lending services; low-income and affordable housing mortgage lending services; commercial lending services for development of low-income and affordable housing, banking services; checking and savings accounts; credit card services; debit card services; insurance services, namely, insurance brokerage and agencies in the fields of property and casualty, home, renters, mortgage, earthquake, flood, life, long term health insurance, medical insurance, dental insurance, vision insurance, pet insurance, boat insurance, accidental death, accidental dismemberment and credit and disability insurance; insurance brokerage and agencies in the field of home warranties; charitable fund raising; fundraising services for charitable grants and non-profit community events; charitable financial sponsorships of non-profit community events; charitable and philanthropic services concerning monetary donations in support of child education and community needs; providing information related thereto via on-line interactive Web sites