First Midwest Bancorp, Inc. ("FMBI" or the "Company") is a bank holding company headquartered in Chicago with a principal operating subsidiary, First Midwest Bank ("First Midwest" or the "Bank"). First Midwest is a community bank that attracts deposits, makes loans and provides wealth management, investment, and retirement plan services to the local communities it serves. First Midwest provides a broad range of commercial and retail banking services to consumer, commercial and industrial, and public or governmental customers. The Bank does not engage in sub-prime or highly speculative lending, nor does it engage in non-commercial banking activities such as investment banking services. Currently, First Midwest operates through more than 125 bank branches, one operational facility, and one dedicated lending office. First Midwest's largest service area is the suburban metropolitan Chicago market, which includes the counties surrounding Cook County, Illinois. This area extends from the cities of Zion and Waukegan, Illinois down into northwest Indiana, including the cities of Crown Point and St. John, Indiana. The Bank's other service areas consist of a central Illinois market, which includes the cities of Champaign, Danville, and Galesburg, and an Iowa, or "Quad-Cities" market, which includes the cities of Davenport, Bettendorf, Moline, and East Moline. First Midwest's service areas include a mixture of urban, suburban, and rural markets. These service areas contain a diversified mix of industry groups, including manufacturing, health care, pharmaceutical, higher education, wholesale and retail trade, service, and agricultural. First Midwest's approach to banking is centered on the belief that the Bank should meet the basic financial needs of the people in the communities we serve, and by fulfilling all of a client's financial needs, we provide him or her with greater value than if the client executed each of his or her financial transactions in isolation.
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