WESTERN FINANCIAL BANK BANKING PERSONALIZED

Business marketing services, business marketing consulting services, direct mail consulting services, direct marketing advertising for others, providing business marketing information, 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 business, industrial asset management services, namely auctioning, liquidating and remarketing of industrial assets of others, insurance claims auditing services, market research, market analysis, and promoting sale of credit card accounts through the administration of incentive award programs

Banking services, consumer lending services, on-line banking services, checking account services, savings 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, financial consultation, fiscal assessment and evaluation, loan financing, providing loans secured by commercial paper, automobile financing, automobile lease financing, financing of unsecured notes, financing of unsecured loans, financing of automobile warranties, commercial, home equity and mortgage lending services, insurance agencies, insurance consultation and administration, insurance underwriting services for all types of insurance, investment consultation and management, maintaining mortgage escrow accounts, real estate appraisal, real estate investment, providing extended warranties on automobiles, underwriting warranty programs in the field of automobiles, and trust services, namely investment and trust company services