PAYBACK PERKS

Depository services, namely administration of holiday and vacation club accounts, automated teller machine services; banking services; checking account services, credit card services, debit card services; banking services, namely direct deposit services, electronic interactive banking services, financial information provided by electronic means, financial management services, financial clearing house services, financial guarantee and surety services, financial valuation of personal property and real estate, financial analysis and consultation, financial forecasting services, financial exchange services, financial portfolio management, financial planning, financing services, financing for low and moderate income persons, home equity loans; providing individual retirement account services, providing self employed qualified retirement plan services; internet banking services, internet bill payment, lease-purchase financing, lending services, namely mortgage, consumer, retail and commercial loans, loan financing, money market account services, night deposit box services, providing financial information in the nature of rates of exchange, remote deposit box services, rent security accounts, safe deposit box services, savings account services, telephone banking services, wire transfer services of money, information services for all for the foregoing provided via a global computer network