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, AND 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