SIERRAWEST BANK

BANKING SERVICES; NAMELY CASH MANAGEMENT, NAMELY ACCEPTANCE OF DEMAND, SAVINGS AND TIME DEPOSITS, ISSUANCE OF TRAVELERS' CHECKS; COMMERCIAL AND COMMERCIAL GUARANTEED LENDING, PERSONAL AND AUTOMOBILE LENDING, SAFETY DEPOSIT BOX SERVICES, AUTOMATIC TELLER MACHINE (ATM) SERVICES, SECURITIES BROKERAGE SERVICES, ANNUITIES AND MUTUAL FUND INVESTMENTS; MERCHANT DRAFTS THROUGH BANK CARD PROGRAMS; CREDIT CARD SERVICES, ONLINE BANKING SERVICES, LEASE/PURCHASE FINANCING AND ALL OTHER CUSTOMARY COMMERCIAL BANKING SERVICES, WITH THE SPECIFIC EXCEPTION OF RESIDENTIAL MORTGAGE LENDING SERVICES