Reward and award program services in the nature of an incentive awards program whereby awards or rewards, including interest income, are earned from a bank account or a debit card or a credit card; business research and development services in the field of banking and banking technologies; charitable services, namely, organizing and developing projects that aim to improve the lives of underprivileged and impoverished people; charitable services, namely, organizing and conducting volunteer programs and community service projects; charitable services, namely, organizing and developing financial literacy teaching projects that aim to improve the lives of underprivileged and impoverished people; and providing volunteer assistance in connection with projects in the field of disaster response

Banking services; online banking services; financial services, namely, savings account services, checking accounts, money market account, certificate of deposits, individual retirement accounts (IRAs) and deposits-based products; financing services; consumer lending services and providing lines of credit; commercial lending services; syndicated lending services; debit and credit card services, namely, issuing of credit and debit cards; treasury services and financial liquidity services, namely, providing strategic financial advisory services to improve processes, optimize cash positions, and streamline operations; treasury services, namely, corporate money management and institutional trust services; financial management services; financial management of cash and other liquid assets; financial analysis and consulting services; financial services, namely, electronic remote check deposit services; bill payment services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; capital investments in privately held companies; funds investment; investment consultation; financial trust administration; estate administration, namely estate settlement services; financial investment brokerage; insurance administration, consulting and information services; financial escrow services, namely, maintaining escrow accounts for investments, commercial banking custodial accounts, sales transactions, mortgages, securities, regulatory compliance, litigation, and restructuring accounts; mortgage services, namely, mortgage warehouse lending; mortgage and correspondent lending; mortgage correspondent aggregation services, namely, providing liquidity to the residential mortgage industry by the purchase of residential mortgage loans from mortgage bankers and financial institutions on behalf of others; mortgage banking services, namely, origination, acquisition, securitization, and brokerage of mortgage loans; providing letters of credit; financial information services for clients; providing international payments exchange and transfer processing services; provision of a website featuring information in the field of banking, financing, and financial services; accounts payable services, automated accounts payable services, account receivables financing; providing grants for education, health and wellness, and community revitalization projects; financial sponsorship of education, health and wellness, and community revitalization projects; and charitable fundraising and accepting and administering monetary charitable contributions for disaster recovery efforts