THE SUMMIT NATIONAL BANK

Banking services, namely, insured deposits, commercial and personal checking and savings, small business checking, certificates of deposit, credit card services, ATM banking; merchant services, namely, merchant charge card services, SBA loans, small business charge cards, commercial money markets; financial and lending services, namely, investment products and financial planning services, commercial, construction, real estate, small business loans and working capital lines of credit, simplified employee pension plans, individual retirement accounts, premium installment savings accounts; international banking services, namely, collections, letters of credit, wire transfers, export, pre-export and import financing; and interstate banking