SECURITY SERVICE LIFETIME VALUE REWARDS

CREDIT CARD SERVICES; NAMELY, PURCHASING, CASH ADVANCES, ATM ACCESS, BILLING, BALANCE TRANSFERS, AND VERIFICATION AND CHECKING ACCOUNT SERVICES, NAMELY; UNLIMITED CHECK WRITING; DEBIT CARD SERVICES; ONLINE ACCESS; PHONE ACCESS; ADMINISTRATION; MONTHLY STATEMENTS; ONLINE CHECK REORDERING; DIVIDEND BEARING ACCOUNTS; AND FREE CHECKING ACCOUNTS