FDIC NOTICE: Transaction Account Guarantee Program

Heartland Bank 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.

FDIC Deposit Insurance Coverage Limits (through December 31, 2013)

Single Accounts (owned by one person) $250,000 per owner

Joint Accounts (two or more persons) $250,000 per co-owner

Certain Retirement Accounts (includes IRAs) $250,000 per owner

Revocable Trust Accounts
$250,000 per owner per beneficiary up to 5 beneficiaries (more coverage is available with 6 or more beneficiaries subject to specific limitations and requirements)

Corporation, Partnership and Unincorporated Association Accounts
$250,000 per corporation, partnership or unincorporated association

Irrevocable Trust Accounts
$250,000 for the non-contingent, ascertainable interest of each beneficiary

Employee Benefit Plan Accounts
$250,000 for the non-contingent, ascertainable interest of each plan participant

Government Accounts
$250,000 per official custodian

You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator at www.myFDICinsurance.gov. For questions about FDIC coverage, call toll-free 1-877-ASK-FDIC or ask a representative at your bank.

For more information visit www.fdic.gov