UNIVEST BANK AND TRUST CO.

FULL LINE OF BANKING SERVICES; SAVINGS AND CHECKING ACCOUNT SERVICES; MONEY MARKET ACCOUNT SERVICES; CERTIFICATE OF DEPOSIT SERVICES; AUTOMATED TELLER MACHINE SERVICES; DIRECT DEPOSIT SERVICES; PAYROLL DEDUCTION SERVICES, NAMELY, PAYROLL TAX DEBITING SERVICES; TELEPHONE BANKING SERVICES; SHARE DRAFT/CHECK ORDER TRANSACTION PROCESSING SERVICES; ONLINE BANKING SERVICES; OVERDRAFT PROTECTION SERVICES; AUTOMOBILE FINANCING SERVICES; CONSTRUCTION FINANCING SERVICES; MORTGAGE BANKING, BROKERAGE AND LENDING SERVICES; HOME EQUITY LOAN SERVICES; HOME IMPROVEMENT LOAN SERVICES; WIRE AND ELECTRONIC FUNDS TRANSFER SERVICES; CREDIT CARD, CHECK CARD AND DEBIT CARD SERVICES; INSURANCE BROKERAGE SERVICES; FINANCIAL, INVESTMENT, RETIREMENT AND BROKERAGE SERVICES FEATURING INDIVIDUAL RETIREMENT ACCOUNTS, ROTH IRAS, AND SHARE CERTIFICATES; DEBT CONSOLIDATION SERVICES; TRAVELER'S CHECK ISSUANCE SERVICES; AND DIRECT, AUTOMATIC AND ONLINE BILL PAYMENT SERVICES