TRANSACT BANK N.A. THE BANK BUILT FOR PAYMENTS

banking services; on-line banking services; credit card and debit card services, namely, credit card and debit card payment processing services in the field of banking, credit card issuing services, financial management of credit card and debit card account balances in the field of banking, original credit transaction processing services in the field of credit card payments and credit card payment processing, credit card payment processing for customers consisting of merchant business entities, credit card payment processing for customers consisting of financial institutions or business entities; payment processing services, namely, providing electronic processing of electronic funds transfer, electronic check, and electronic payments; electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic processing and subsequent transmission of Automated Clearing House (ACH) payment transactions; checking account services; savings account services; providing an internet website portal in the field of financial transaction and payment processing services; telephone banking services featuring funds transfer services, checking account stop-payment services, touch-tone balance report services, providing account balance, transaction history, and other banking and financial information, and information on other related banking services; risk services, namely, financial risk management services in the field of banking for customers consisting of natural persons, financial and credit risk management services as it relates to bank accounts for customers consisting of natural persons; fraud management services, namely, fraud reimbursement services in the field of credit card payments; facilitating person to person electronic payment means via a global computer network, namely, credit card, debit card, and stored value prepaid card payment processing services through electronic means via a computer network; credit risk management services; financial risk management services provided to business entities, namely, financial risk management as it relates to bank accounts, financial risk management as it relates to credit and debit cards risk management services

fraud management services, namely, electronic monitoring of personally identifying information to detect identity theft via the internet, electronic monitoring of suspicious bank account activity to identify and prevent fraudulent or otherwise illicit use of bank accounts and bank account funds via the internet, and fraud management services in the nature of electronic monitoring of credit card payments via the internet