WHERE SERVICE COMES FIRST

Financial services, namely, money lending; Commercial Business Banking services; Private banking, personal and business banking services; Full service banking, namely, checking and savings services, commercial loans, commercial real estate loans, construction loans, unsecured lending, stock secured lending, asset based lending, and Small Business Administration lending; On-line banking services and electronic banking via a global computer network; Telephone banking services; Banking services provided by mobile telephone connections; ATM banking services; Financial loan consultation; Financial services rendered in connection with the issuance, receipt and transfer of lines of credit, namely, credit processing services; Small Business Administration ("SBA") lending programs, namely, financing of small business loans; SBA Preferred Lender programs, namely, financing of small business loans; Banking services featuring the provision of certificates of deposit; Electronic funds transfer; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing electronic processing of electronic check payments, namely, remote capture to remotely capture, clear, and post a check bill payment transaction; Safe deposit box services; Checking account services; Savings account services; Financial administration of retirement plans; Individual retirement account services; Debit card services; Banking services