TRICITY NATIONAL BANK

Banking services; electronic banking services; internet banking services; private banking services; personal and consumer banking services; business, commercial, and retail banking services; international banking services; checking, savings and money market account services; banking services featuring the provision of regular and jumbo certificates of deposit; personal and consumer loans and lines of credit; home mortgage lending services; home equity loan services; commercial lines of credit; commercial mortgage lending and loan services; financing of term loans; individual retirement account services; employee retirement account services; personalized financial planning services; credit and debit card transaction processing services; issuing stored value cards for business travel use; automatic teller machine banking services; electronic transfer of funds; automated banking services and automatic bill payment services; issuance of cashiers' and travelers' checks; safety deposit box services; financial investment account administration; merchant bank card transaction processing services; business cash management services; bank account reconciliation services; administration of financial automatic sweep bank accounts; financial clearing houses; automated financial clearing services; automated financial clearing collection and disbursement services; financial deposit reporting services; financial electronic data exchange services, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data; controlled financial disbursement services; financial account analysis services; safety deposit lockbox services; providing information and advice regarding foreign currency rates of exchange; providing for the monetary exchange of foreign currency, foreign and international currency, foreign and international drafts and foreign checks; international electronic funds transfers and providing electronic processing of electronic payments; international debt collection services; issuing international letters of credit; issuing import, export, and standby letters of credit; trust services, namely, investment and trust company services; financial estate trust administration, management and financial planning services; individual, personal and corporate financial trust administration, management and financial planning services; financial fiduciary trust administration, management and financial planning services; financial employee benefits trust administration, management and financial planning services; financial administration and management of financial employee pension and profit sharing plans; financial administration and management of individual retirement financial accounts; financial and investment consultation services in the fields of charitable foundations and endowments; foundation and endowment financial trust administration, management and financial planning services; transfer agency services rendered to issuers of investment securities; insurance agency services in the field of fidelity and surety bonds, property and casualty insurance, fire insurance, auto insurance, home insurance, business and commercial insurance, life, health, and dental insurance, accident and disability insurance, aviation insurance, commercial and personal umbrellas, and employee benefits; insurance claims administration services; insurance claims processing services; insurance risk management services; insurance consultation services; investment brokerage services in the fields of financial securities, stocks, bonds, money market funds, mutual funds, stock options, and indices of financial securities; investment advice and management services in the fields of securities, stocks, bonds, money market funds, mutual funds, stock options, and indices of financial securities; financial services, namely, financial analysis services, financial advisory services, financial management services, financial research services, and financial portfolio management services; investment services, namely, investment consultation services, investment advisory services, and investment management services; funds investment services; investing the funds of others; mutual fund investment services; establishing mutual funds and managing model financial portfolios for others; financial evaluation, namely, evaluating financial asset allocation, risk tolerance, financial alternative plans and investment time frames; providing financial information and analysis in the fields of finance, economics, investment, financial planning, and investment strategy; providing financial information in the nature of rates of exchange; on-line banking services; on-line cash management services; providing financial information by electronic means; providing financial information by on-line means and via a global computer network in the fields of finance, economics, investment, financial planning, and investment strategy