SIGNATURE SERIES REWARDS

Banking services; financial services, namely, mortgage lending, commercial, retail and consumer loans, issuance of credit cards and debit cards; and investment and fiduciary services, namely, trust administration, investment consultation, and stock brokerage services; debit and credit card services featuring an incentive program whereby participants accumulate points from purchases which they can redeem for merchandise or travel rewards; payment services, including payments by credit cards, debit cards and atm cards