THE GREENPOINT ADVANTAGE

Banking services and banking services provided via the Internet, namely provision of savings accounts, checking accounts and certificates of deposit; consumer lending services, namely providing student loans, mortgage loans, installment loans, manufactured housing loans and automobile loans; financial investment services, namely retirement financial planning, mutual funds, college savings plans, stocks brokerage, bonds brokerage and securities; insurance brokerage services, namely personal life insurance; credit card services; and real estate foreclosure services, namely sale of foreclosed property