YOUR NEIGHBORHOOD NON-BANK

FINANCIAL SERVICES, NAMELY, DEBIT AND CREDIT CARD SERVICES; LOAN FINANCING, NAMELY PROVIDING CONSUMER LOANS, AUTOMOBILE LOANS, RECREATIONAL VEHICLE LOANS, PERSONAL LOANS, HOME EQUITY LOANS, HOME IMPROVEMENT LOANS, CREDIT RE-BUILDER LOANS; MORTGAGE LENDING; LINES OF CREDIT SERVICES; PROVIDING HOME BANKING SERVICES; SELF-BANKING SERVICES, AND COMPUTER BANKING SERVICES VIA TELEPHONE, GLOBAL TELECOMMUNICATIONS NETWORKS, DATA TRANSMISSION LINES, AND OTHER ELECTRONIC MEANS; BILL PAYMENT SERVICES VIA COMPUTER AND TELEPHONE, GLOBAL TELECOMMUNICATIONS NETWORK, DATA TRANSMISSION LINES, AND OTHER ELECTRONIC MEANS; INVESTMENT SERVICES, NAMELY, PROVIDING CERTIFICATES OF DEPOSIT, INDIVIDUAL RETIREMENT ACCOUNTS, AND MONEY MARKET ACCOUNTS; SAVINGS SERVICES, NAMELY PROVIDING SHARE SAVINGS ACCOUNTS AND CREDIT RE-BUILDER SAVINGS ACCOUNTS; AND CHECKING ACCOUNT SERVICES