ONE MISSION. COMMUNITY BANKS.

Owners

Goods & Services

banking services; credit card services; debit card services; ATM card services; [ loan financing; mortgage lending; mortgage financing; commercial lending services; brokerage in the fields of stocks, mutual funds, and annuities; ] automated securities brokerage; investment brokerage; investment consultation, management, and advice; investing and trading for others via the internet in the fields of securities, stocks, bonds, mutual funds, and annuities via a global computer information network; [ insurance brokerage; ] reinsurance underwriting; financial portfolio management, analysis, and planning; financial portfolio development services for others; financial analysis and consultation; financial information provided by electronic means; financing services; financial research and planning; providing financial advice and resources to member banks in the areas of loans, credit cards and investments, and financial analysis and consultation in the area of assisting member banks in financial management; providing financial risk management services for funds transfer, credit and debit card and electronic check transactions via a global computer network

market analysis; business marketing consulting services; providing an online computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features, and related reference information; and consultation in the area of assisting member banks in bank management

educational services, namely, conducting seminars for member banks in the fields of banking, loans, finance, financial planning and readiness, bank profitability, and insurance profitability