Canandaigua National Corporation. The Group's principal activities are acceptance of deposits, lending, trust, investment and insurance services. The categories of deposits provided by the Group include time, demand and savings deposits, NOW accounts, regular savings accounts, money market deposits, fixed rate certificates of deposit and club accounts. The lending services of the Group include secured and unsecured commercial and consumer loans, financing commercial transactions, residential mortgage loans, revolving credit loans with overdraft checking protection, small business loans and student loans. The services are provided to retail, commercial and municipal customers through 18 community banking offices. The facilities at the branch offices include drive-up facilities, automatic teller machines, customer call center, internet, safe deposit facilities and other remote cash-dispensing machines. Bank operations accounted for 94% of 2002 revenues and CNB Mortgage, 6%.