Shareholder’s Breakfast March 28,

Notice Statements contained in this report that are not purely historical are forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including our expectations, intentions, beliefs, or strategies regarding the future. Any forward- looking statements set forth herein are necessarily subject to significant uncertainties and risks. Any statements in this document about expectations, intentions, beliefs, plans, objectives, assumptions, future events or performance are not historical facts and are forward-looking statements. These statements may often, but not always, be identified by words such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “would” and “outlook,” and similar expressions. Examples of forward-looking statements include, but are not limited to, statements we make regarding “beliefs about loan losses” and “expectations regarding customer preference.” The foregoing is not an exclusive list of all forward-looking statements we make. 2

Results of

Regulatory Capital 4

2012 Performance (Dollar Amounts in Thousands) Assets$93,542$115,684$141,350 Loans$64,786$76,934$88,387 Investments$17,270$27,231$38,938 Deposits$83,710$100,917$107,113 Borrowings$ -$5,250$20,500 Net interest margin3.44%3.24%2.74% Net Income (loss)$(303)($4,209)($4,343) Pre-provision earnings & Pre-OREO Reserve $134$336$2,055 5

OREO Dispositions and Delinquent Loans Sold 19 single family homes in 2012 with net proceeds of $1,000,000 Six groups of individuals in various stages of the legal system for collection 6

Deregistration Jumpstart Our Business Startups Act (JOBS Act) permits companies to deregister securities if less than 1,200 shareholders Cost savings to the Bank Not required to file Form 10-K, 10-Q, or 8-K Quarterly press releases will be on website Quarterly Call Reports submitted to FDIC Increased visibility to market makers on OTCQB 7

2013 Goals Profitability Holding Company 8

Profitability New loans Hired commercial lender Community involvement Lender on Mokena Chamber Board Branch managers attend local events Marketing program Product promotions Commercial Lending workshops 9

Holding Company Reorganize the Bank to form a Holding Co. Current business of the bank will not change Bank shares will be converted to Bancorp shares Raise capital without many restrictions –Rights Offering WE NEED YOUR VOTE! 10

Questions 11

Adjournment 12