WESTERN FINANCIAL BANK

business marketing services; business marketing consulting services; direct mail advertising and consulting services; direct marketing advertising for others; promoting the goods and services of others by providing hypertext links to the web sites of others; placing, preparing, displaying and disseminating advertising for others; providing business marketing information; providing consumer information in the fields of automobiles, automobile financing, banking, investing and financial planning; accounting services; administration of business payroll for others; payroll preparation; advertising agencies; auctioneering; billing services; business acquisitions consultation; business appraisals; business auditing; business consultation; developing promotional campaigns for businesses; industrial asset management services, namely auctioning, liquidating and remarketing of industrial assets of others; insurance claims auditing services; market research; market analysis; promoting the sale of credit card accounts through the administration of incentive award programs; marketing and promoting automobile warranties; and marketing of automobile loans, leases, debt cancellation agreements and service contracts

banking services; consumer lending services; on-line, Internet and telephone banking services; checking account services; savings account services; certificate of deposit account services; electronic fund transfer services; debit card services; traveler's and cashier's check issuing services; money order services; monetary exchange services; credit card services; automated teller machine services; safety deposit box services; administration of individual retirement accounts and employee pension plans; financial consultation, assessment and evaluation; providing financial information by electronic means; investment consultation, advice, brokerage and management; financial planning services; financial portfolio management; loan financing; providing loans secured by commercial paper; automobile financing; automobile lease financing; financing of unsecured notes; financing of unsecured loans; financing and providing automobile warranties; consumer, commercial, equity and mortgage lending services; insurance agencies; insurance consultation, administration and brokerage; insurance underwriting services for all types of insurance; investment consultation and management; maintaining escrow accounts for investments; maintaining mortgage escrow accounts; home appraisal; real estate appraisal; real estate investment; real estate brokerage; real estate acquisition; real estate trustee services; providing warranties for automobiles; financing security devices for automobiles; financing of and collection for automobile loans, leases, debt cancellation agreements and service contracts; loan securitization; brokerage in the field of loan servicing; and trust services, namely investment and trust company services