CARTER BANK & TRUST HOME OF LIFETIME FREE CHECKING

Banking services; banking services rendered via a global computer network; trust services, namely, investment and trust company services in the nature of estate trust management and trust management, paying of bills, payment of taxes, and management of retirement investment accounts; safety deposit box services; investment services, namely, estate planning, financial investment in the field of government bonds, investment brokerage and funds investment; insurance services, namely, life insurance administration and underwriting; financial services, namely, financial analysis and consultation, financial planning, financial management, and financial information provided by electronic means; online banking, financing services, namely, residential and commercial mortgage lending, providing secondary mortgage market loans, providing home equity loans, home equity lines of credit, consumer lending services and commercial lending services, providing checking accounts, money market accounts, savings accounts, certificates of deposit, telephone banking, travelers' checks and safe deposit checks, providing automated teller machine services; credit and debit card services