COMMUNITY FIRST BANK & TRUST

Banking services; financial services, namely, mortgage lending, providing consumer loans, providing lines of credit, providing small business loans, administration of savings accounts, administration of checking accounts, administration of money market accounts, administration of individual retirement accounts, issuing certificates of deposit, issuing ATM debit cards and ATM banking services, debit and credit card services, safe deposit box services, wire money transfers, lock box safe deposit services, merchant credit card services, issuing letters of credit, online banking with bill payment services, online banking services accessible by means of a downloadable mobile application