VOICE OF REASON

Locating new and pre-owned vehicles for purchase or lease

Loan financing, namely, term loans, home equity loans, commercial real estate loans, lines of credit, and small business loans; financial services, namely, savings programs for youths and checking accounts; savings account services; student loan services, electronic banking via global computer network; internet banking; banking services provided by mobile telephone connections; telephone banking services; financial planning and investment advisory services; banking services featuring the provision of certificates of deposit; checking account services featuring overdraft protection services; investment banking services; Credit union services; banking services; loan financing; financing services; automobile loan financing; installment loans; providing cash and other rebates as part of a customer loyalty program for credit card use and mortgage loan use; mortgage lending; mortgage banking services; loan financing, namely, automobile loans; Checking account services, electronic remote check deposit services; ATM banking services; issuing of checks and letters of credit; corporate savings account services; merchant banking services; revolving loans; credit and debit card-services

Educational services, namely, conducting classes, seminars, webinars, conferences, and workshops, in financial and banking fields and distribution of course and educational material in connection therewith