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The Company has one reportable segment, Community Banking, which consists of commercial and retail banking, and other non-reportable operating segments, as described in Note 1 of the Notes to Consolidated Financial Statements included at the end of this Report. The Segment Reporting information in Note 1 is incorporated by reference into this Item 1.

The Bank's principal business consists of attracting deposits from the general public through its banking offices and using these deposits to originate loans. The Bank engages in a full service retail and commercial banking business, which includes providing the following services: