Guaranty Bank, S.S.B.

GUARANTY BANK

Savings bank services, namely, banking services offered to small businesses in the nature of checking and savings accounts, certificates of deposit, business credit cards, trust services in the nature of investment and trust company services, commercial lending services, namely, merchant payment process services, and issuing payroll service loans; savings bank services offered to consumers, namely, deposit services, providing trustee services and fiduciary representative services, unsecured lending and credit card services; safety deposit box services; auto loan financing; mortgage lending; services related to auto loan financing and mortgage lending, namely, issuing title insurance, appraisal, credit reporting, escrow services, and construction loan disbursement; excluding secondary mortgage banking services, namely, buying, servicing and trading mortgage loans and interests in such loans among third party originators and purchasers, and originating mortgage loans with the assistance of third party brokers wherein such brokers work directly with retail consumers;BANK;