ILLINOIS BANK & TRUST

Online Banking Services; Banking and Financing Services; Credit and Loan Services; Loan Financing; Home Equity Loans; Servicing of Customer Installment Loans; Electronic Transfer of Money; Mortgage Banking; Checking Account Services; Savings Account Services; Safe Deposit Box Services; Electronic Banking Via a Global Computer Network; Financial Services, Namely, Electronic Remote Check Deposit Services; Banking Services Provided by Mobile Telephone Connections; Debit Card Services; Credit Card Services; Individual Retirement Account Services; Administration of Health Savings Accounts, or HSAs; Automated Teller Machine, or ATM, Banking Services; Mortgage Loans; Insurance Agency in the Field of Home Insurance, Personal Property Insurance, Liability Insurance, and Credit Life Insurance; Bill Payment Services, Namely, Payment Administration; Investment Portfolio Management; Financial and Investment Research and Analysis; Providing Financial and Investment Information and News; Providing Financial and Investment Advisory and Consultancy Services; Financial Planning; On-Line Banking Services Featuring Electronic Alerts That Alert Credit and Debit Card Users When a Single Transaction Exceeds a Certain Amount or When a Fraudulent Transaction Has Been Made Through the User's Account; Operating a Website Featuring Information in the Banking and Financial Services Fields; Commercial Banking Services; Small Business Banking Services; Automated Financial Clearinghouse Services; Electronic Transfer of Funds by Wire; Online Banking and Bill Payment Services; Cash Management Services, Namely, Sweep Account Services and Zero Balance Account Services; Merchant Credit Card Payment Processing Services; Purchasing Charge Card and Business Credit Card Services; Lockbox Processing Services; Providing Point of Sale Debit and Credit Card Transaction Processing Services to Commercial Business Merchants; Government Guaranteed Loan Services; Financial Services, Namely, Issuing Letters of Credit and Stand-By Letters of Credit; Money Transfer Services, Namely, International Wire Transfer Services