SMART SAVINGS

FINANCIAL SERVICES NAMELY FINANCIAL CONSULTATION, FINANCIAL MANAGEMENT, FINANCIAL PLANNING, FINANCIAL INFORMATION PROVIDED BY ELECTRONIC MEANS, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA, FINANCIAL INFORMATION IN THE NATURE OF RATES OF EXCHANGE, CREDIT, DEBIT AND STORED VALUE CARD AND ELECTRONIC TRANSACTION SERVICES, LOAN FINANCING SERVICES; BANKING SERVICES; BANKING SERVICES OFFERED OVER A GLOBAL COMPUTER NETWORK; MUTUAL FUND SERVICES; MORTGAGE LENDING AND BROKERAGE SERVICES; MORTGAGE BANKING; MORTGAGE LOANS, HOME EQUITY LOANS; AUTO LOANS; SAVINGS ACCOUNT SERVICES; SECURITIES BROKERAGE SERVICES