ELGIN STATE BANK

financial and banking services, namely, commercial and consumer checking and savings account services; commercial and consumer lending and financing services; commercial and consumer credit card services; debit card services; banking services in the fields of merchant bank card services, lock box services, international trade services; administration of business payroll for others; banking services in the fields of commercial and consumer money market accounts, certificates of deposit, money transfer services by wire, night depository services, direct deposit services, safe deposit box services, administration of funds under uniform transfers to minors act, administration of attorney client funds trust accounts; order fulfillment for United States savings bonds; collection services, namely, financial services in the nature of assisting others with the completion of financial transactions for bonds and collection of funds from checks drawn on foreign banks; banking services, namely, bond redemption services; electronic banking and bill payment services provided through an internet web site; banking services, namely, electronic account access services provided via telephone keypad