SIMPLER BANKING AND MORE SMILES

Banking services; automated teller machine services; savings, checking and certificate of deposit account services; issuing check cards; credit card services; debit card services; cash card services; issuing stored value cards; issuing deposit cards; online banking services; electronic payment services, namely, electronic processing and transmission of bill payment data; mortgage lending services; home equity lending services; consumer lending services; commercial lending services; equipment financing services; mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; specialty finance lending services, namely, lending to underserved borrowers; providing information related to all of the foregoing services and associated accounts via the Internet