FNB SMARTREWARDS

Class 036: Banking services; safe deposit box services; depository services, namely, checking account services, savings account services, certificate of deposit account services, administration of holiday and vacation club accounts, Individual Retirement Accounts, Self Employed Qualified Retirement Plans, rent security accounts and money market account services; banking services, namely, direct deposit services; mutual funds services, namely, establishment of mutual funds for others and brokerage, investment and distribution; trust services, namely, investment and trust company services; lending services, namely, mortgage, consumer, retail and commercial loans; fiduciary representative services and trust administration; financial analysis and consultation; financial clearing houses; financial services in the nature of an investment security; financial information in the nature of rates of exchange, financial exchange, financial forecasting and financial guarantee and surety; financial information provided by electronic means; financial management; financial planning; financial portfolio management; financial research; financial valuation of personal property and real estate; loan financing; lease-purchase financing; financing services; investment services, namely, investment brokerage; capital investment consultation and advice; fund investment consultation; investment consultation; financial investment in the field of securities; funds investment; mutual funds investment; real estate investment; commodity investment advice; investment advice; investment brokerage; investment clubs; capital investment consultation; investment management; maintaining escrow accounts for investments; investment of funds for others; investment of funds, mutual funds and real estate; capital investment consultation; investment of trust funds for others; financing housing for moderate income citizens; insurance services, namely, insurance underwriting, brokerage and extended warranty contracts in the fields of life, health, accident, fire, marine, medical, pre-paid health care and legal services; insurance administration and agencies in the field of life, health, accident, fire, marine, medical, pre-paid health care and legal services; insurance agencies in the fields of life, health, accident, fire, marine, medical, pre-paid health care and legal services; appraisals for insurance claims of personal property and real estate; insurance brokerage, consultation, subrogation and actuarial services in the fields of life, health, accident, fire, marine, medical, pre-paid health care and legal services; investment and financial investment in the field of real estate and securities; debit card services; credit card services; electronic interactive banking services; Internet banking services; telephone banking services; automated teller machine services; and information services for all for the foregoing provided via a global computer network

Class 036: mortgage services, namely mortgage banking, mortgage brokerage, mortgage lending, and maintaining mortgage escrow accounts; all of the foregoing provided via the global computer network

Class 036: Banking services; financial services in the nature of an investment security; financial information in the nature of rates of exchange, financial exchange, financial forecasting and financial guarantee and surety; financial information provided by electronic means; financial management; financial planning; financial portfolio management; financial research; financial valuation of personal property and real estate; loan financing; lease-purchase financing; financing services; investment services, namely investment brokerage; capital investment consultation; commodity investment advice; fund investment consultation; investment consultation; financial investment in the field of securities; funds investment; mutual funds investment; real estate investment; commodity investment advice; investment advice; investment brokerage; investment clubs; capital investment consultation; investment management; maintaining escrow accounts for investments; investment of funds for others; insurance services, namely insurance underwriting, brokerage and extended warranty contracts in the fields of life, health, accident, fire, marine, medical and pre-paid health care and legal services; insurance administration in the field of life, health, accident, fire, marine, medical and pre-paid health care and legal services; insurance agencies in the fields of life, health, accident, fire, marine, medical and pre-paid health care and legal services; appraisals for insurance claims of personal property and real estate; insurance brokerage, consultation, subrogation and actuarial services in the fields of life, health, accident, fire, marine, medical and pre-paid health care and legal services; debit card services; credit card services; electronic interactive banking services; internet banking services; safety deposit box services; and information services for all for the foregoing provided via a global computer network