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.

business checking

Your Inland Bank Business Account Features

Business Accounts	Commercial Checking	Basic PLUS BUSINESS CHECKING	Express free business checking	Prime Interest Business checking*	PRIME BUSINESS MONEY MARKET
Minimum balance to open	$100.00	$100.00	$100.00	$1,000.00	$2,500.00
Minimum balance to avoid service charge	Earnings credit analysis	$10,000 average monthly collected	None	$1,000.00	Minimum daily balance of $2,500.00 or average daily balance of $5,000.00
Monthly service charge	$20.00	$30.00	n/a	$10.00	$25.00
Fee for each check or debit item paid	$0.25 per check/debit, $0.15 ACH debit	$0.25 each item over 300 per month	150 FREE combined debits and deposited items, $0.50 each item over 150 per month	$0.25 each debit over 50 per month	6 free debits of which 6 can be checks per month. $25.00 each check transaction over 6 per month.
Fee for each deposit	$0.50			$0.25 each credit over 20 per month	n/a
Fee for ACH credit	$0.30			$0.25 each credit over 20 per month	n/a
Fee for each item deposited	$0.15			$0.15 each item over 50 per month	n/a
Minimum balance to earn interest	n/a	n/a	n/a	$1,000.00	$2,500.00
Star ATM access	Deposit Only	Deposit Only	Deposit Only	Deposit Only	n/a
Cirrus ATM access	n/a	n/a	Yes	n/a	n/a
Online Banking	Yes	Yes	Yes	Yes	Yes
Online Bill Pay	Yes	Yes	Yes	Yes	n/a
Business debit card	Yes	Yes	Yes	Yes	n/a
Statement frequency	Monthly	Monthly	Monthly	Monthly	Monthly
Check imaging offered	Free	Free	Free	Free	n/a
Check printing charges	Varies	Varies	Varies	Varies	Varies

*This product is offered only to public units, sole proprietors, association and organizations per regulation