THE WAY FORWARD

Banking and financial services, namely, investment banking, private equity investing, asset management and private banking; operating services, namely, stock custodial services, payments and treasury services, and institutional trust services; retail banking services, namely, deposit accounts, home mortgage lending and servicing, credit card services, auto finance, education finance, banking services to small businesses and loans for community development, excluding use in connection with conferences and seminars in the areas of asset management and investment advisory services