THE NEXT STAGE

BANKING AND RELATED FINANCIAL SERVICES; CREDIT CARD SERVICES;[ INVESTMENT CONSULTATION, BROKERAGE AND MANAGEMENT SERVICES; FINANCIAL INVESTMENT SERVICES IN THE FIELDS OF SECURITIES, MUTUAL FUNDS, CERTIFICATES OF DEPOSIT; AND PORTFOLIO MANAGEMENT; INSURANCE BROKERAGE, CONSULTATION AND ADMINISTRATION SERVICES IN THE FIELDS OF ACCIDENT, AUTOMOBILE, HEALTH, HOME, RENTERS, LIABILITY AND EMPLOYER INSURANCE;] MORTGAGE BANKING AND LENDING SERVICES; TREASURY MANAGEMENT SERVICES; CONSUMER LOANS AND DEPOSIT SERVICES [ ; AND FINANCIAL CONSULTATION FOR EDUCATIONAL FINANCIAL ASSISTANCE AND STUDENT LOAN SERVICES ]