UNITED COMMUNITY BANKS

Banking and financial services, namely, money lending, savings accounts, checking accounts, certificates of deposit accounts, IRA account services, issuing certificates of deposit, cash and asset management services, financial and investment advisory, consultation, planning, management, and administration services, investment fund transfer and transaction services, estate planning services, investment, insurance, and securities brokerage services, credit card services, debit card services, money order services, automatic teller machine services, distribution of annuities, bill payment services, and currency transfer services, mortgage banking and mortgage lending services, and providing all of the foregoing services by traditional methods, telephone, and global computer network