Peotone Bank and Trust Company is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 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. Peotone Bank and Trust Company NOW Accounts and IOLTAs are covered under the Temporary Account Guarantee Program.

iDeal Checking, Super NOW Accounts and Premium NOW accounts are not covered under the Temporary Account Guarantee Program but are covered under the FDIC’s general deposit insurance rules.