FIRSTBANK & TRUST TEXAS

Banking and financing services; administration of health savings accounts being HSAs; automated financial clearinghouse services; Automated Clearing House (ACH) transaction processing services; automated teller machine (ATM) banking services; banking services provided by mobile telephone connections; bill payment services; cash management services, namely, sweep account services and zero balance account services; checking account services; commercial banking services; commercial lending services; consumer lending services; credit and loan services; credit card authorization services; credit card services, namely, credit card transaction processing; credit card verification; debit card services, namely, debit card transaction processing; electronic banking via a global computer network; electronic transfer of funds by wire; electronic transfer of money; financial administration of retirement plans; financial and investment research and analysis; financial consulting and advising in the fields of mergers and acquisitions, specialized industries, specialty manufacturing and distribution, information technology, applied technology, testing and monitoring, professional services, transportation, food and beverage, healthcare, agriculture, education, nonprofits, and real estate; financial planning for retirement; financial planning; financial risk management and consultation; financial services, namely, electronic remote check deposit services; financial services, namely, issuing letters of credit and stand-by letters of credit; financial services, namely, wealth management services; fraud reimbursement services in the field of credit card purchases; government guaranteed loan services; home equity loans; individual retirement account services; insurance agency and brokerage; insurance agency in the field of home insurance, personal property insurance, liability insurance, life insurance, and disability insurance; internet banking services; investment portfolio management; issuance of credit cards; issuing of debit cards; loan financing; loan origination services; lockbox processing services in the nature of safe deposit box services; merchant credit card payment processing services; money transfer services, namely, international wire transfer services; mortgage banking; mortgage loans; online banking and bill payment services; on-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount or when a fraudulent transaction has been made through the user's account; on-line banking services; online banking services accessible by means of downloadable mobile applications; operating a website featuring information in the banking and financial services fields; processing of credit card payments; processing of electronic wallet payments; providing financial advice via a website; providing financial and investment advisory and consultancy services; providing financial and investment information and news; providing information in the field of personal finance via a website; providing insurance information; providing point of sale debit and credit card transaction processing services to commercial business merchants; purchasing charge card and business credit card services, namely, charge card and credit card payment processing services; safe deposit box services; savings account services; servicing of customer installment loans; small business banking services