SMART FEDERAL BANK

Banking services; automated teller machine services; savings, checking and certificate of deposit account services; check card services; credit card services; debit card services; cash card services; stored value card services; deposit card services; 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; investment services, namely, investment advisor services; investment brokerage, consultation and management services; securities brokerage; financial planning services; providing investment and financial information, advice, consultation, management and brokerage services; financial portfolio management and analysis services; mutual fund consultation, brokerage, distribution and investment; establishing and administering mutual funds for others; investment, management and distribution of fixed and variable annuities; retirement account management and distribution; financial and investment services, namely providing asset-backed securities of government sponsored entities, mortgage backed securities, U.S. government securities, U.S. Treasury securities, municipal securities, bank certificates of deposit and investment securities backed by consumer loans, commercial loans, mortgage loans, home equity loans and equipment financing loans; providing investment securities backed by specialty finance loans, namely, loans provided to underserved borrowers; insurance brokerage and agencies in the fields of property and casualty, life, health, credit, home, renters, mortgage, earthquake, flood, long term health, medical, dental, vision, pet, boat, accidental death and accidental dismemberment and disability insurance and annuities; insurance services, namely, insurance against loss due to identification and identity theft and fraud; privacy protection insurance services; insurance brokerage and agency services in the field of home warranties; sale of home warranties; charitable financial sponsorship and promotion of non-profit community, cultural, theatrical, artistic, musical, educational and sporting events and programs; providing charitable grants to educational institutions, students and community organizations; providing educational scholarships; organizing and conducting events and programs for charitable purposes; charitable fund raising services; organizing, arranging, conducting and providing financial sponsorship of fundraising events to raise money for recognition of educators; organizing, arranging, conducting and providing financial sponsorship of fundraising events in the field of education and teaching; fundraising events; charitable and philanthropic services concerning monetary donations; providing information related to all of the foregoing services and associated accounts via the Internet