NORTH FORK

Full line of commercial, personal and municipal banking services; commercial, personal and municipal savings and checking account services; automated teller machine services; direct deposit services; electronic funds transfer services; telephone banking services featuring funds transfer services, checking account stop-payment services, touch-tone balance report services, providing interest rate, tax, IRA, account balance, transaction history, and other banking and financial information, and other related banking services; online banking services featuring bill payment services, funds transfer services, online banking and loan application documents, customer account balances and transaction information, and other banking and financial information, and other related banking services; student checking accounts, savings and loan financing services; commercial, consumer, personal, overdraft checking protection services, and automobile lending services; mortgage banking, brokerage and lending services; home equity loan services; residential and commercial land and construction loan financing; small business loan financing services; business and personal installment loans; letter of credit services; cash management services; financial clearing house services; wire and internal electronic funds transfer services; lock box collection and deposit services; account and deposit reconciliation services; maintaining real estate escrow and tenant security account services; credit card and debit card services; credit card transaction processing services; telephone calling card services; insurance brokerage services in the fields of annuities, life and term insurance and long-term care insurance; financial, investment, retirement and brokerage services, namely, certificates of deposit, individual retirement accounts known as IRAs, Roth and education IRAs, employee pension plans, retirement plans, profit-sharing and money purchase plans, pension trust services, 401K plans, distribution of retirement funds, beneficiary distribution services, funds investment and consultation, portfolio management, stock brokerage, mutual funds, bonds, money market accounts, trust and estate planning, and executor, trustee and custodial services; funeral trust management services; providing links to the Web sites of third parties featuring financial, banking, real estate, investment and insurance news and information and to financial and banking document retailers; and providing information and consultation related to all of the above