TRANSACTION ACCOUNT GUARANTEE PROGRAM

Inland Bank and Trust is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Please note: Prime Money Market, Prime Interest Checking, Prime Business Money Market and Prime Interest Business are covered under the FDIC's general deposit insurance rules and are not fully guaranteed.