RBS AMERICA

Banking services; monetary transfer services; electronic bill payment services; automated banking services; home banking, namely, banking services accessed via a personal computer and a global computer network connection; internet banking; savings services, namely, providing savings accounts and credit rebuilder savings accounts; credit card, debit card, charge card, cash card and bank card services; cash management; safe deposit box services; financial clearing house services for bankers; account payable debiting services; maintaining escrow accounts for investments; real estate escrow accounts; check cashing services; credit brokerage services; automatic cash dispensing services, namely, automatic teller machine services; insurance services, namely, insurance brokerage and agency services in the field of credit insurance, life insurance, home insurance and medical insurance; financing of loans; providing loans secured by commercial paper; financial investment services in the fields of investment securities and certificates of deposit; capital investment services; financial management services; providing brokers and agents to buy and sell bonds and securities for others; brokerage and agency services in the field of bonds and securities; financial consultation services; investment advice; financial guarantees and surety services; providing financial analysis and reports in the field of financial information; financial information processing; financial information provided via electronic means; financial research services; financing services and securing funds for others; financial advisory services; brokerage in the field of financial information and credit information for others; administration of financial affairs, namely, providing portfolio management services to others; computerized financial services, namely, online bank accounts, online securities trading and electronic monetary payments, namely, electronic processing and transmission of bill payment data; advice and inquiries regarding credit; issuing letters of credit; providing credit agency services for businesses and individuals; acceptance of savings deposits; discount of bills and notes, namely, discount brokerage services; domestic currency remittance; financial liability guarantee services; bill payment services, mortgaging of securities for others, acquisition and transfer of monetary claims; trusteeship of money; brokerage of futures contracts; money exchange, foreign exchange transactions, currency exchange services, travelers' check issuance, replacement, and redemption; issuance of letters of credit; securities trading; brokerage of index fixtures, securities options and overseas market securities futures; underwriting securities; securities brokerage services; processing subscriptions and offerings of securities, providing stock market information, life insurance brokerage, life insurance underwriting, insurance actuarial services; mortgage lending services; financial sponsorship of sports, sports teams and sporting events; financial advisory, consultancy and information services relating to all of the aforesaid services