TRUSTCO BANK, U.S.A.

FINANCIAL AND ELECTRONIC BANKING SERVICES, NAMELY, INTERNET, ON-LINE, AND WEB-BASED BANKING SERVICES, PROVIDING ACCESS TO BANK ACCOUNT INFORMATION VIA THE INTERNET, ON-LINE AND THE WEB, PROVIDING LOAN AND DEPOSIT ACCOUNT BALANCES, PROVIDING TRANSACTION HISTORY, TRANSFERRING FUNDS FROM ELIGIBLE ACCOUNTS, AND PROVIDING INTERNET BILL PAYMENT SERVICES