ONE BANK AND TRUST

One Bank & Trust provides personal and business banking products and services. Its personal banking services include checking and savings accounts, certificates of deposit, and money market accounts; and personal loans comprising automobile, home improvement, and unsecured or secured loans, as well as loans to finance college education or to make special purchases. The company’s business banking services include checking accounts; commercial lending services, such as real estate loans, construction loans, lines of credit, and various leasing options; and cash management services.