TIERONE FINANCIAL

FINANCIAL SERVICES, NAMELY, FULL SERVICE CONSUMER AND COMMERCIAL BANKING SERVICES; INVESTMENT PRODUCT SERVICES, NAMELY PROVIDING MUTUAL FUND AND ANNUITY INVESTMENT SERVICES, STOCK AND BOND BROKERAGE SERVICES AND INVESTMENT CONSULTATION SERVICES; ELECTRONIC FUNDS TRANSFER PROVIDED THROUGH AUTOMATED TELLER MACHINES, DEBIT CARD AND CREDIT CARD SERVICES; CASH MANAGEMENT SERVICES; CONSUMER AND COMMERCIAL LEASING FINANCING; REAL ESTATE FINANCING FEATURING MORTGAGE LENDING, HOME EQUITY LOANS AND COMMERCIAL EQUITY FINANCING; CONSUMER, CONSTRUCTION AND CORPORATE/BUSINESS LOANS AND LINES OF CREDIT; MORTGAGE BANKING AND BROKERAGE SERVICES; AND INSURANCE AGENCY SERVICES IN THE FIELD OF TERM, LIFE AND LONG-TERM CARE