URBAN TRUST BANK

Banking services; checking and savings account services; investment analysis, advice, brokerage, consultation and management; financial analysis, advice, consultation, planning and management; debit card and credit card services; mortgage banking and lending; loan financing and financial loan consultation; commercial and consumer lending; insurance and annuity brokerage; insurance consultation and administration; providing interactive banking, financial, investment and insurance consultation and information via the internet; electronic processing and transmission of bill payment data; cash management; financial information in the nature of rates of exchange; automated teller machine services