PROVIDING INFORMATION ABOUT FINANCIAL ACCOUNTS, MUTUAL FUNDS, RETIREMENT PLANNING TOOLS AND FINANCIAL, INVESTMENT AND RETIREMENT MATERIALS VIA AN AUTOMATED TELEPHONE SYSTEM

BANKING SERVICES, NAMELY A VARIABLE RATE UNSECURED CREDIT LINE ACCESSED BY CHECK WHICH ALSO FEATURES OVERDRAFT PROTECTION

FINANCIAL SERVICES, NAMELY, EQUITY CREDIT LINES ACCESSED THROUGH DRAFTS, BANK CARDS, AND AUTOMATED TELLER MACHINES