THE SMARTER CHOICE IN MOBILE BANKING

Banking services; online banking services; financial services, namely, commercial lending services, construction lending services, small business lending services, commercial real estate financing, debt financing, accounts receivable financing, asset-based lending, vendor assurance programs, namely, purchase order financing and letters of credit, cash management services, fiduciary management services; direct and on-line deposit services, certificate of deposit services, and FDIC insured deposit account services; all of the foregoing excluding credit and debit card services