The bank is located in the City of Racine, Wisconsin. Racine is approximately 25 miles south of
Milwaukee, Wisconsin and 65 miles north of Chicago, Illinois. The bank=s assessment area is all
of the portion of Racine County which lies east of Interstate 94. This assessment area
encompasses the City of Racine and is located entirely within the Racine Metropolitan Statistical
Area (MSA). The assessment area is comprised of 28 census tracts, of which six are low- and
moderate-income tracts and three are minority census tracts.