TANDEM BANK

Financial services; investment services; funds transfer services, savings services, loan services, agency services for collecting utility payments; investment management services; investment advisory services; provision of information, advice and consultancy relating to securities, finance and investments; mutual funds and services related thereto; securities brokerage and services related thereto; banking and services related thereto; charity finance and services related thereto; investments services in ethical business; trusteeship and services related thereto; real estate investment and services related thereto; commodities investment and services related thereto; equities and services related thereto; private equity and services related thereto; offshore investment and services related thereto; hedge fund investment and services related thereto; portfolio, mutual fund, pension and trust administration services; financial management and planning; financial advisory services; tax advice; corporate finance and venture capital services; computerised financial services; financial and investment services provided online; electronic funds processing; processing of financial transactions; card operated financial services; smart card payment authorisation and settlement services; financial management of cashless payment accounts, including via an internet website; card accessed financial services; payment processing; electronic payment services; payment transaction card services; financial payment services; payment administration services; processing payments made by charge cards; financial transfers and transactions, and payment services; processing electronic payments made through prepaid cards; smart card and charge card services; provision of computerised financial services; personal banking services; administration of financial affairs; financial management and planning services; financial analysis and appraisal; computerised financial analysis and data services; monitoring of financial portfolios, investment and funds; preparation of financial reports; provision of computerised financial information; provision of information relating to financial accounts; financial management and consultancy, and advice relating to pensions; administration, planning, monitoring and management of pension funds and schemes; trusteeship of pensions; financial services relating to mortgages; advisory and consultancy services relating to mortgages; arranging and provision of mortgages; insurance services for the protection of mortgages; financial services relating to investments and fund management; advisory and consultancy services relating to investments; arranging, management and administration of investment funds and portfolios; financial investment research services; investment banking, brokerage and analysis of investment information; financial services relating to life assurance; life assurance brokerage and consultancy; planning services relating to life assurance; financial savings services; provision of investment savings plans; savings scheme services; independent financial planning advice; insurance services; mortgage services; pension services; investment services; services relating to the provision of secured or unsecured loans; unit trust services; arranging of personal equity plans; asset management services; actuarial services; life assurance services; unit trust services; financial and insurance consultancy services; financial management services; provision of financial information; insurance; monetary affairs; real estate affairs; credit card and debit card services; money exchange services; property valuation; financing of loans; financial management; actuarial services, financial analysis, appraisal of property; advising and assisting others in respect of their changing suppliers of insurance, credit card, bank and financial services; banking, brokerage services, capital investment services, charitable fund raising, clearing house services, rent collection services, financial and insurance consultancy services, credit bureau services, debt collection agency services, money exchange services, factoring, financial consultancy services, financial evaluation services, financial information and management; sponsorship services, financing services, fund investments, fund transfer services, guarantee services, hire purchase financing; information, consultancy and advisory services concerning finance and insurance, issuing of travellers' cheques, lease purchase financing, loan services, mutual funds services, safe deposit services, securities brokerage services; telephone banking services; information, advisory and consultancy services relating to the foregoing