SOVEREIGN INTERNATIONAL BANK

Financial records management; Administering discount group purchasing programs, namely, negotiating contracts with providers of banking and insurance services, to enable participant members of a teachers union to obtain discounts on the purchase of the financial and insurance services of others through the use of union discount membership cards; Consulting services in the cost management of health care; Estate management, namely, assistance in the gathering and organization of personal vital and financial records in conjunction with instructions for handling of such documents by others, including executors and attorneys, upon death or when otherwise necessary; Facilitating group purchase of banking services; Interactive record-keeping services for use in risk management and regulatory compliance by insurers and professionals in the medical field; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Restaurant franchising, namely, offering business management assistance in the establishment and/or operation of restaurants

Bank tendering, namely, tendering of money; Banking; Banking and financing services; Banking consultation; Banking services; Banking services featuring the provision of certificates of deposit; Banking services provided by mobile telephone connections; Financial management; Financial management of employee pension plans; Financial management of reimbursement payments for others; Financial management of yacht operations; Financial management via the Internet; Financial affairs and monetary affairs, namely, financial information, management and analysis services; Financial asset management; Financial consultation in the field of environmental management, namely, advising business and individuals on issues of portfolio planning and investment planning; Financial custody services, namely, maintaining possession of financial assets for others for financial management purposes; Financial planning services, namely, developing and managing charitable giving programs on behalf of wealthy individuals or families; Financial portfolio management; Financial risk management; Financial risk management consultation; Financial services, namely, commodity trading and managed futures advisory and management services; Financial services, namely, coordination, within a single account, of an investment portfolio's maintenance, trading, rebalancing, and tax management needs; Financial services, namely, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services; Financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; Financial services, namely, operation and management of hedge funds, commodity pools and other collective investment vehicles, and trading for others of securities, options, futures, derivatives, debt instruments and commodities; Financial services, namely, wealth management services; ATM banking services; Consultation services in the field of financial management of yacht operations; Electronic banking via a global computer network; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Home banking; Investment banking services; Investment banking services in the field of Employee Stock Ownership Plans (ESOP); Issuance of bank checks; Issuing of bank cheques; Merchant banking and investment banking services; Merchant banking services; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; On-line banking services; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; Online banking; Online banking services accessible by means of downloadable mobile applications; Online, real-time tax payment processing, tax payment financial management, and tax payment financial analysis services; Providing bank account information by telephone; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing financial services with respect to securities and other financial instruments and products, namely, money management services; Savings bank services; Telephone banking services