IMPACT BANK

Banking services, namely, services offered by banks chartered pursuant to government regulation, namely, checking, savings, money market, individual retirement, certificate of deposit account and automated teller machine services; safe deposit box services; providing financial analysis, consultation, planning and management; commercial and consumer lending services; credit card services; debit card services; electronic payment, namely, electronic processing and transmission of bill payment data; cash management, all directed to business and consumer customers, and not directed to other banks