THE PROVIDENT

BANKING SERVICES-NAMELY, GRANTING OF COMMERCIAL LOANS, COLLATERAL LOANS AND CONSUMER CREDIT; OPERATION OF CHECKING ACCOUNTS AND SAVINGS ACCOUNTS, CORRESPONDENT BANK SERVICES; CONDUCTING FOREIGN EXCHANGE TRANSACTIONS; ISSUANCE OF COMMERCIAL LETTERS OF CREDIT, [ CREDIT CARDS, ] TRAVELERS LETTERS OF CREDIT AND TRAVELERS CHECKS; RENTAL OF SAFE DEPOSIT BOXES AND STORAGE VAULTS FOR VALUABLES; STOCK TRANSFER AGENT AND REGISTRAR SERVICES; ACTING AS DEPOSITORY FOR FEDERAL TAX PAYMENTS; TRUST SERVICES-NAMELY, ACTING AS TRUSTEE, EXECUTOR, ADMINISTRATOR, GUARDIAN, AGENT AND CUSTODIAN; INVESTMENT MANAGEMENT AND CUSTODIAL SERVICES; ESTATE PLANNING SERVICES; AND EMPLOYEE BENEFIT PLANNING SERVICES