VIRTUALBANK

BANKING SERVICES; FINANCIAL SERVICES, NAMELY, FINANCIAL MANAGEMENT, DEPOSIT SERVICES, INCLUDING CHECKING, MONEY MARKET, SAVINGS AND CERTIFICATES OF DEPOSIT, LENDING, INCLUDING MORTGAGE LOANS, CONSUMER, RETAIL AND COMMERCIAL LOANS, CREDIT CARDS AND DEBIT CARDS; AND INVESTMENT SERVICES, NAMELY, INVESTMENT ANALYSIS, ADVICE, CONSULTATION AND MANAGEMENT, INVESTMENT BROKERAGE, FIDUCIARY SERVICES AND TRUST ADMINISTRATION