NEWTEK BANK & TRUST

Banking services; financial services, namely, providing financial analysis, financial consultation, financial planning and management, commercial lending services, consumer lending services, commercial leasing services in the nature of leasing of commercial real estate, consumer leasing services in the nature of leasing of consumer real estate, mortgage lending, loan financing, credit card payment processing services, credit card authorization services, debit card transaction processing services and financial securities exchange services; trust services, namely, investment and trust company services; real estate investment trust advisory and management services; financial restructuring services; financial advisory services; financial services, namely, mortgage refinancing; financial planning and investment advisory services; insurance and financial information and consultancy services; financial investment brokerage services; financial affairs and monetary affairs, namely, financial information, management and analysis services; providing financial services with respect to securities and other financial instruments and products, namely, money management services; financial services, namely, providing temporary loans; financial services, namely, electronic remote check deposit services; financial evaluation, tracking, analysis, forecasting, consultancy, advisory and research services relating to securities and other financial instruments; financial and investment services, namely, asset and investment acquisition, consultation, advisory and development; financial transaction services, namely, providing secure commercial transactions and payment options; commercial lending services; Financial management services; business finance procurement services; providing on-line financial services in the nature of banking and banking services; bill payment services; electronic payment, namely, electronic processing and transmission of bill payment data; financial information provided by electronic means; clearing and reconciling financial transactions via a global computer network; providing financial information by the internet; financial analysis for business; financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing a wide variety of payment and financial services, namely, credit card payment processing services and transaction processing services, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, all conducted via a global communications network; financial analysis and consultation services; loan financing and loan programs in the nature of providing business loans and temporary loans; insurance services, namely, brokerage, underwriting, administration and claims processing of life insurance, short-term care insurance, disability insurance, health insurance, Medicare supplement insurance, payroll insurance; payroll tax debiting services