TORREY PINES BANK

Financial services, namely, banking; commercial and consumer lending and financing; real estate and mortgage brokerage; trust, estate, and fiduciary management, planning and consulting; investment advisory and consulting services; providing secure financial transactions in the nature of electronic cash transactions, electronic credit card transactions, electronic debit transactions, electronic check processing transactions and electronic transmission of bill payment data via a global computer network; insurance services, namely, underwriting and brokerage of property insurance; providing financial news and information via website on a global network