SMART BUSINESS BANK

Advisory services relating to credit and debit control, investment, grants and financing of loans; Automated teller machine services; Banking; Banking and financing services; Banking consultation; Banking services; Banking services provided by mobile telephone connections; Bill consolidation services; Bill payment services; Brokerage services for capital investments; Brokerage services for stocks and bonds; Business finance procurement services; Charge card and credit card services; Charitable fund raising services; Charitable services, namely, providing financial assistance to meet the physical, psychological, social and other special needs of children; Checking account services; Commercial and residential real estate agency services; Commercial lending services; Consulting services in the field of state and federal employee benefit plans; Consumer lending services; Corporate savings account services; Credit and debit card services; Credit and loan services; Credit card and debit card services; Currency transfer services; Debit card services; Debt counseling services; Electronic banking via a global computer network; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic loan origination services; Equipment financing services; Financial consulting services, namely, expert analysis in finance; Financial planning and investment advisory services; Financial services in the field of money lending; Financial services, namely, credit repair and restoration; Financial services, namely, electronic remote check deposit services; Financial services, namely, mortgage planning; Financial services, namely, savings programs for youths; Home banking; Housing services, namely, real property acquisition and consumer financing to facilitate home ownership; Insurance services, namely, underwriting, issuing and administration of life insurance; Insurance services, namely, writing property and casualty insurance; Issuance of bank checks; Merchant banking and investment banking services; Money order services; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; On-line banking services; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Private equity fund investment services; Real estate acquisition services; Safety deposit box services; Savings account services; Savings and loan services; Trust services, namely, investment and trust company services; Venture capital funding services to emerging and start-up companies; Wholesale lending services