| Goods and Services | Banking services; commercial banking services; personal banking services; deposit services, namely, checking account services, savings account services, money market account services, and certificate of deposit account services; deposit placement services; issuance of debit cards; issuance of credit cards; issuance of checks, namely, bank and cashier's checks; online banking services; mobile banking services; check processing; electronic funds transfer services; ACH payment processing services; wire transfer services; account-to-account transfers; peer-to-peer transfers (person-to person transfers); lockbox services; safe deposit services; remote deposit capture services; bill payment services; treasury management services; cash management services; subaccount ledgering services; customized financial services for government entities, municipalities, public institutions and charter schools; liquidity management services, namely, sweep account services and zero balance account services; fraud prevention services in the nature of check verification services, check positive pay, ACH positive pay, soft tokens, and ACH debit block services; payroll direct deposit services; escrow services, namely, escrow account services and escrow administration services; specialized depository services for title insurance companies and escrow companies; 1031 exchange banking services; qualified intermediary banking services; contractor retention escrow services; tenant security deposit account services; E-2 banking services; interest on lawyer account (IOLA) services; residential healthcare and property management services; financing and lending, namely, commercial lending, commercial real estate lending, loan underwriting, loan processing, loan servicing, refinancing, industrial lending, term loan financing, bridge lending, working capital financing, healthcare lending, revolving lines of credit, acquisition financing, renovation financing, leasehold mortgage financing,; construction loan financing, equipment financing, owner-occupied commercial real estate financing, life insurance financing, self-liquidating term loans, trade finance, and letters of credit; banking services related to the establishment, administration, and maintenance of deposit account control agreements; HUD-related lending and banking services, namely, residential mortgage lending, multifamily lending, healthcare facility financing, supplemental loans, reverse mortgage services, mortgage refinancing, mortgage servicing, and escrow services; co-lending; SBA 7(a) loan financing; escrow and banking services for EB-5 investments, namely, EB-5 escrow accounts and escrow administration, and New Commercial Enterprise (NCE) and Job Creating Entity (JCE) accounts; personal banking services for non-resident aliens; financial information and advice; and client education incidental to banking services. |
