FNB DIRECT

Owners

Goods & Services

Administration of savings accounts; administration of savings accounts, namely, of holiday and vacation club accounts; online banking services; on-line consumer finance services, namely, consumer lending services; financing services, namely, financing housing for moderate income citizens; internet consumer finance services, namely consumer lending services; lease-purchase financing; consumer lending services; lending services, namely, commercial and consumer lending services; automated teller machine services; banking and financial services, namely, banking services in the nature of providing money market accounts; banking services; banking services, namely, night deposit services; checking account services; consumer and commercial lending services; credit card services namely, electronic debit card transaction processing; credit card and debit card services, namely, credit card and debit card payment processing; debit card services, namely, issuing prepaid debit cards; electronic interactive banking services via a global computer network; financial analysis and consultation; financial clearing house services; financial exchange services; financial forecasting services; financial guarantee and surety services; financial information provided by electronic means; financial management; financial planning; financial portfolio management; financing services; financial services, namely, money lending; financial services, namely, providing individual retirement accounts in the nature of self-employed qualified retirement plans; financial services, namely, providing remote check and funds deposit services for deposit accounts; financial services, namely, rent security account in the nature of maintaining escrow accounts for rental property transactions; financial valuation of personal property and real estate; home equity loans; installment loans; internet banking services, namely, electronic banking services via a global computer network; lease-purchase financing; loan financing; savings account services, namely, money market account services; money transfer, electronic transfer of money, electronic funds transfer; night deposit services, namely, safe deposit box services; online banking services, namely, internet bill payment services; providing financial information in the nature of rates of exchange; safe deposit box services; savings account services; telephone banking services; financial information services for all for the foregoing provided via a global computer network; all of the foregoing for online banking and online financial services

Computer banking software for managing bank accounts; computer banking software for transacting banking transactions; downloadable mobile computer software applications for managing bank accounts in the field of banking and finance; downloadable mobile computer software applications for transacting banking transactions in the field of banking and finance; all of the foregoing for online banking and online financial services