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KENNEY BANK AND TRUST

COMMUNITY REINVESTMENT ACT NOTICE

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The FDIC takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our bank, such as the services we provide; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments.

You may review this information today.

At least 30 days before the beginning of each quarter, the Regional Manager, Division of Supervision and Consumer Protection (DSC), FDIC publishes a nationwide list of the banks that are scheduled for a CRA examination in that quarter.  This list is available from:

Federal Deposit Insurance Corporation

Chicago Regional Office

300 South Riverside Plaza, Suite 1700

Chicago, Illinois 60606

You may send written comments about our performance in helping to meet community credit needs to:              

CRA Officer

502 E Jordan Street

P.O. Box 117

Kenney, Illinois 61749

and to:

Federal Deposit Insurance Corporation

Chicage Regional Office

300 South Riverside Plaza, Suite 1700

Chicago, Illinois 60606

Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager.  You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.  We are an affiliate of iTeam Companies, a bank holding company.  You may request an announcement of applications covered by the CRA filed by bank holding companies from the Assistant Vice President of Applications, Federal Reserve Bank of Chicago, 230 S. LaSalle, Chicago, Illinois 60604.