THE BANK OF ELK RIVER

Banking services; financial and banking services, namely, checking account services, savings account services, provision of certificates of deposit, money lending services, secured and unsecured personal lines of credit and loans, mortgage banking and mortgage lending services, credit card and debit card payment processing services, credit card verification and authorization services, cash management services, automated financial clearing house (ACH) services, monetary transfer services, automated teller machine (ATM) services, automated bill payment services, foreign exchange transactions, currency exchange services, safe deposit box services, online banking services, banking services provided by mobile telephone connections, telephone banking services, personal banking services, commercial banking services, merchant banking services, payment processing services, namely, credit card and debit card transaction processing services; wire transfer services, namely, electronic transfer of funds; trust services, namely, investment and trust company services