TRUSTCO BANK

BANKING SERVICES, NAMELY, CHECKING ACCOUNT SERVICES, DIRECT DEPOSIT SERVICES, ELECTRONIC BANKING, NAMELY, AUTOMATED TELLER MACHINE SERVICES, SAVINGS, CERTIFICATE OF DEPOSIT AND MONEY MARKET INTEREST ACCOUNT SERVICES, RESIDENTIAL AND COMMERCIAL MORTGAGE LOAN SERVICES, HOME EQUITY CREDIT LINE AND LOAN SERVICES AND COMMERCIAL LOAN SERVICES; AUTO AND RECREATIONAL LOAN SERVICES; PERSONAL [ AND STUDENT LOAN SERVICES ] ; CREDIT CARD SERVICES; PROFESSIONAL AND INDIVIDUAL RETIREMENT ACCOUNT SERVICES; PERSONAL AND CORPORATE TRUST SERVICES; ESTATE AND FINANCIAL PLANNING SERVICES; EXECUTOR AND TRUST MANAGEMENT SERVICES; INVESTMENT MANAGEMENT SERVICES [ AND PUBLIC AND MUNICIPAL FUNDS DEPOSITORY SERVICES ]