S STERLING NATIONAL BANK

Downloadable mobile applications for managing bank accounts

Banking and financial services, namely, providing working capital lines of credit, asset-based financing, factoring agency services, accounts receivable financing services, financial management services, providing loans secured by accounts receivables or factored balances as the product of such receivables, equipment financing, commercial and residential mortgage lending, mortgage banking, international trade financing, cash management, financial trust administration and estate trust management, investment management services, and depository services, namely, checking and savings accounts, money market accounts, certificates of deposit, trust management accounts and individual retirement accounts; maintaining escrow accounts for trusts, attorneys, transaction closings, settlements, tax-free exchanges and similar accounts; credit and debit card services, namely, providing cards to customers that contain the customer's salary for use at automated teller machines and point-of-sale locations; Providing an interactive website featuring letter of credit information whereby users may submit applications for letters of credit and access information regarding letter of credit applications; payroll tax debiting services; payroll financing; custom financial services, namely, electronic banking services provided to healthcare and nursing care facilities

Computer services, namely, providing an interactive web site featuring technology that allows users to order certified checks online and to print the certified checks after the funds have been verified