COMMUNITY TRUST

Checking account services; savings account services; money market account services; banking services featuring the provision of certificates of deposit; individual retirement account services; issuing credit, debit, and pre-paid credit card services; online banking with bill payment services; ATM banking services; safe deposit box services; providing checking and savings account information via SMS text messaging; online banking services accessible by means of downloadable mobile applications; issuing of travelers checks, electronic money transfer services; loan services; consumer loan services; home improvement loan services, home equity loan services, providing personal credit line services, SWEEP account services enabling customers to have cash automatically transferred from a central account to an interest bearing account; mortgage lending services; construction loan services