THE FUTURE OF BETTER BANKING

Banking services; checking and savings account services; debit card services; loan financing and financial loan consultation; commercial lending; providing interactive banking consultation and information via the internet; electronic processing and transmission of bill payment data; cash management; financial information in the nature of rates of exchange; automated teller machine services; all of the foregoing services specifically excluding mortgage origination services, mortgage brokerage services, home equity loans, and home equity lines of credit