FIRST EVANSTON BANCORP, INC.

Banking and financial services, namely, retail banking services consisting of deposit accounts, home mortgage lending and servicing; credit card services, namely, credit card and debit card issuing and authorization services, auto lending and banking; education finance, namely, student loan services and providing and servicing loans for the purpose of financing educational expenses; insurance agency services, investment advice, stock brokerage services, and financial banking services to small businesses; financial banking support in the form of loans for community development; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the internet