UBT UNION BANK & TRUST

Banking services; estate planning; financial planning; financial retirement plan consulting services; financial services, namely, arranging and providing college savings plans; financial services, namely, wealth management services; financial trust administration; financing and loan services; investment of funds for others; on-line banking services; online banking services accessible by means of downloadable mobile applications; financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending and commercial real estate leasing services, mortgage lending, loan financing; financial investment services, namely, providing investment analysis, consultation, planning, management, advisory, banking, and research services with respect to stocks, mutual funds, securities, bonds, commodities, real estate and other instruments of investment; electronic payment, namely, electronic processing and transmission of ACH, electronic check, electronic payments, invoice, bill, and tax payment data; cash management; home equity loan services; financing and loan services for vehicles, machinery, and equipment; providing personal loans and lines of credit; safety deposit box services; checking account services; savings account services; ATM banking services; trust management account services; banking services featuring the provision of certificates of deposit; corporate trust services; providing information in the field of banking, credit card and debit card services, credit card, debit card and electronic check transaction processing services, financial management, investment brokerage, investment management, financial investment in the field of securities, mutual funds, certificates of deposit, financial portfolio management, insurance, accounts payable debiting services, mortgage banking, mortgage lending, mortgage brokerage, commercial lending, consumer lending, issuing letters of credit, foreign exchange services, financial treasury management services, trust management accounts services, cash management services, online banking, bill payment services, and tax payment processing services; currency exchange services; individual retirement account services; employer-sponsored retirement plan services; health savings account services; flexible spending account services; issuance of bank checks and credit cards