ATLANTIC LIBERTY BANK, A DIVISION OF FLUSHING BANK

Full service banking services and online banking services provided via the Internet, namely, provision of savings accounts, checking accounts, money market accounts and certificates of deposit; consumer lending services, namely, providing student loans, mortgage loans, installment loans, small business loans, manufactured housing loans, home equity loans, home equity lines of credit and automobile loans; financial investment services, namely, retirement financial planning; mutual funds investment, college savings plans, stocks brokerage, brokerage of bonds and securities; Payment processing services, namely, credit card and debit card transaction processing services