SOVEREIGN BANK AT YOUR SIDE

PROVIDING A WEB SITE FEATURING ONLINE CUSTOMER ACCESS TO CUSTOMER BANKING, PAYMENT, ACCOUNTS RECEIVABLE AND FINANCIAL INFORMATION

BANKING SERVICES; ONLINE BAKING SERVICES; BANKING SERVICES AND FINANCIAL SERVICES, NAMELY, PROVIDING INVESTMENT ADVICE AND BROKERAGE SERVICES; BANKING SERVICES AND FINANCIAL SERVICES, NAMELY PROVIDING INVESTMENT ADVICE AND BROKERAGE SERVICES VIA THE INTERNET; BANKING AND FINANCIAL SERVICES, NAMELY, DEPOSIT BANKING COMPRISING MONEY MARKET ACCOUNTS, CERTIFICATES OF DEPOSIT, SAFETY DEPOSIT BOX SERVICES, CHECKING ACCOUNT SERVICES, SAVINGS ACCOUNT SERVICES, AND CONSUMER, COMMERCIAL, AND MORTGAGE LENDING SERVICES; BANKING AND FINANCIAL SERVICES PROVIDED VIA A GLOBAL WORLDWIDE COMPUTER NETWORK, NAMELY, DEPOSIT BANKING COMPRISING MONEY MARKET ACCOUNTS, CERTIFICATES OF DEPOSIT, SAFETY DEPOSIT BOX SERVICES, CHECKING ACCOUNT SERVICES, SAVINGS ACCOUNT SERVICES, AND, CONSUMER, COMMERCIAL, AND MORTGAGE LENDING SERVICES; BANKING SERVICES AND FINANCIAL SERVICES, NAMELY, EXCHANGE, PORTFOLIO MANAGEMENT, INVESTMENT SECURITY, AND PROVIDING FINANCIAL INFORMATION IN THE NATURE OF CHECKING ACCOUNT, SAVINGS ACCOUNT, RATES OF EXCHANGE AND MUTUAL FUND INVESTMENT SERVICES; BANKING SERVICES AND FINANCIAL SERVICES, NAMELY, BROKERAGE, COMMODITIES, PRECIOUS METALS TRADING AND MANAGEMENT, CASH MANAGEMENT SERVICES, ELECTRONIC FUNDS TRANSFERS, RETAIL AND COMMERCIAL BANKING, BANKING OPERATIONS, CHECK AND PAYMENT PROCESSING, CREDIT AND DEBIT CARD SERVICES, ATM SERVICES, BILL PAYMENT SERVICES, CURRENCY TRANSACTIONS, LETTERS OF CREDIT, AFFINITY BANKING AND SPONSORSHIP ARRANGEMENTS; BANKING AND FINANCIAL SERVICES PROVIDED VIA THE INTERNET, NAMELY, BROKERAGE, PRECIOUS METALS TRADING AND MANAGEMENT, CASH MANAGEMENT SERVICES, ELECTRONIC FUNDS TRANSFERS, RETAIL AND COMMERCIAL BANKING, BANKING OPERATIONS, CHECK AND PAYMENT PROCESSING, CURRENCY TRANSACTIONS, LETTERS OF CREDIT, AFFINITY BANKING AND SPONSORSHIP ARRANGEMENTS; TRUST AND WEALTH MANAGEMENT AND RELATED ADVISORY SERVICES; INVESTMENT ADVISORY SERVICES; SPECIALTY LENDING SERVICES; MORTGAGE ORGANIZATION LENDING SERVICES; MORTGAGE SERVICING; CAPITAL MARKET SERVICES; CARD PROCESSING SERVICES; INTERNATIONAL TRADE FINANCING AND PAYMENT FACILITATION SERVICES; PUBLIC SECTOR BANKING SERVICES FOR MUNICIPALITIES, COUNTIES, STATES, SCHOOL SYSTEMS, AND OTHER PUBLIC INSTITUTIONS AND POLITICAL JURISDICTIONS; EMPLOYEE PENSION PLAN SERVICES; INSURANCE SERVICES, NAMELY, PROVIDING HOMEOWNER, LIFE, HEALTH, AUTOMOBILE, CONSUMER AND COMMERCIAL LIABILITY INSURANCE PROVIDED VIA BANKING BRANCHES, THE INTERNET, AND TELEPHONE