HOMETRUST BANK

INDIVIDUAL, COMMERCIAL AND SMALL BUSINESS BANKING, INVESTMENT AND FINANCIAL SERVICES, NAMELY CHECKING ACCOUNTS, SAVINGS ACCOUNTS, ISSUING CERTIFICATES OF DEPOSIT, PROVIDING UNSECURED PERSONAL LINES OF CREDIT, CONSUMER LOANS, MORTGAGE LOANS AND HOME EQUITY LOANS, DISTRIBUTION OF ANNUITIES, MUTUAL FUNDS INVESTMENT, RETIREMENT PLANNING SERVICES, INSURANCE BROKERAGE AND BILL PAYMENT SERVICES, AND PROVIDING SUCH SERVICES BY TRADITIONAL METHODS, BY TELEPHONE, AND BY A GLOBAL COMPUTER NETWORK