THE SCIENCE OF SMART BANKING

banking and financing services; financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending and leasing of real estate services, loan financing, financial investment services, namely, providing financial investment analysis, consultation, financial planning, management, advisory, brokerage, banking, and financial research services with respect to stocks, mutual funds, securities, bonds, commodities, real estate and other instruments of investment; investment of funds for others; credit and debit card authorization services; payment processing services, namely, credit card and debit card transaction authorization and processing services; electronic payment, namely, electronic processing and transmission of ACH, electronic check, electronic payments, invoice, bill, and tax payment data; credit card, debit card and electronic check transaction processing services; cash management; financing and loan services for vehicles, machinery, and equipment; providing personal loans and lines of credit; online banking services; on-line banking services accessible by means of downloadable mobile applications; safety deposit box services; checking account services; savings account services; ATM banking services; trust services, namely, investment and trust company services, and trust management account services; banking services featuring the provision of certificates of deposit; mutual fund brokerage services; management of mutual funds; providing information in the field of employee financial benefit plans and administration of employee financial benefit plans for clients via the Internet; providing information in the field of banking, credit card and debit card services, credit card, debit card and electronic check transaction processing services, financial management, investment brokerage, investment management, financial investment in the field of securities, mutual funds, certificates of deposit, financial portfolio management, insurance, accounts payable debiting services, commercial lending, consumer lending, issuing letters of credit, foreign exchange services, financial treasury management services, trust management accounts services, cash management services, online banking, bill payment services, and tax payment processing services; currency exchange services; individual retirement account services; providing interactive banking, financial and investment consultation and information via global computer networks, internal computer information networks, and telecommunication networks for the electronic, telephonic and telefacsimile transmission of voice, data, multi-media, graphics, video, photo and audio information; issuance of traveler's checks, bank checks, credit cards, and prepaid debit cards; and providing money wire transfer services, information and verification regarding such wire transfers