Dearborn Bancorp, Inc. is a bank holding company owning all the common stock of Fidelity Bank (the Bank). The Bank is the only commercial bank headquartered in Dearborn, Michigan and conducts business primarily in Wayne, Macomb, Oakland and Washtenaw Counties, Michigan. The Bank offers a range of financial products and services. These include checking accounts, savings accounts, money market accounts, certificates of deposit, business checking, direct deposit, loan services (commercial, consumer, real estate mortgages), travelers’ checks, cashiers’ checks, wire transfers, safety deposit boxes, online banking, telephone banking, collection services, and night depository services. The Bank offers check imaging options, including statements on compact disk read only memory (CD ROM) and online banking services to its customers. The Bank does not have a trust department.