WHERE SMARTER BUSINESSES BANK

BANKING AND FINANCIAL SERVICES, NAMELY, SAVINGS ACCOUNT SERVICES, SAVINGS AND LOAN SERVICES; CHECKING ACCOUNT SERVICES; INVESTMENT ACCOUNT SERVICES; MONEY MARKET ACCOUNT SERVICES; CERTIFICATES OF DEPOSIT SERVICES; LINES OF CREDIT SERVICES; ATM CARD SERVICES; TELEPHONE AND ELECTRONIC BANKING SERVICES; ON-LINE BANKING SERVICES VIA THE INTERNET OR GLOBAL COMPUTER NETWORK; MORTGAGE LOAN AND HOME EQUITY LOAN SERVICES; AUTOMOBILE, COMMERCIAL AND CONSTRUCTION LOAN SERVICES; SAFE DEPOSIT BOX SERVICES; ALTERNATIVE DEPOSIT SERVICES; AND FINANCIAL CONSULTATION IN THE FIELDS OF FINANCIAL MANAGEMENT AND PLANNING;