We are pleased to inform you that Cole Taylor Bank is participating in the Transaction Account Guarantee Program (the "Program"). Under the Program, extended through June 30, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

For purposes of the Program, the FDIC has included in the definition of a non-interest-bearing transaction account: accounts commonly known as Interest on Lawyers Trust Accounts (IOLTAs) and functionally equivalent accounts; and Negotiable order of withdrawal accounts (NOW accounts) with interest rates no higher than 0.50% for which the insured depository institution at which the account is held has "committed" to maintain the interest rate at or below 0.50%.

At Cole Taylor Bank, the following accounts are eligible within this definition: