UNCOMMON UNDERSTANDING

Banking and financing services; financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending and leasing services, mortgage lending, and loan financing; credit and debit card authorization services; electronic payment, namely, electronic processing and transmission of bill payment data; credit card, debit card and electronic check transaction processing services; cash management; home equity loan services; financing and loan services for automobiles; providing personal loans and lines of credit; online banking services; on-line banking services accessible by means of downloadable mobile applications; safety deposit box services; checking account services; savings account services; ATM banking services; trust services, namely, investment and trust company services, and trust management account services; electronic payment, namely, electronic processing and subsequent transmission of ACH payment data, and electronic check payment data and electronic payments; providing banking, financial investment services in the fields of certificates of deposit and portfolio management; investment management services; investment advisory services; mutual fund brokerage services; management of mutual funds; financial investment planning for retirement; providing information in the field of employee financial benefit plans and administration of employee financial benefit plans for clients via the Internet; currency exchange services; individual retirement account services; financial and investment consultation and information via global computer networks, and providing interactive banking, financial and investment consultation and information via global computer networks, internal computer information networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of voice, data, multi-media, graphics, video, photo and audio information