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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Question and Answer Guide

Citizens First National Bank, Princeton, IL

The following list of responses to frequently asked questions may assist you in understanding what is happening at Citizens First National Bank.

On Friday, November 2, 2012, Citizens First National Bank, Princeton, IL was closed by the Office of the Comptroller of the Currency. The Federal Deposit Insurance Corporation (FDIC) was then named Receiver. Subsequent to the closure, Heartland Bank and Trust Company, Bloomington, IL acquired all the deposits and substantially all the assets of Citizens First National Bank from the FDIC as Receiver. All shares of stock were owned by the holding company, which was not involved in this transaction.

YOUR MONEY IS SAFE! No one lost any money on deposit as a result of the closure of this bank. All deposits, regardless of dollar amount, were transferred to Heartland Bank and Trust Company.

ACCESS TO YOUR MONEY: You may continue to use your outstanding checks and they will clear up to the balance in your account. Your ATM/Debit card will continue to work as usual. The total balance in your account(s), including checking, savings, money market, non-brokered Certificates of Deposit, and retirement accounts, has been transferred to Heartland Bank and Trust Company and will be available for transactions during regular business hours at the former bank branches.

DIRECT DEPOSITS: All direct deposits, for example, social security checks, payroll, veterans' benefits, welfare and/or disability, unemployment or any payment you receive electronically will continue as usual.

AUTOPAYMENTS/BILLPAY/ONLINE BANKING: These services will continue as usual. Your routing number and account number will remain the same until you are notified in writing by Heartland Bank and Trust Company.

INTEREST RATES: Interest on deposits accrued through close of business on November 2, 2012 will be paid at your same rate. Citizens First National Bank's rates will be reviewed by Heartland Bank and Trust Company and may be lowered; however, you will be notified in writing of any changes. You may withdraw funds from any transferred account, regardless of whether your interest rate changes, without early withdrawal penalty until you enter into a new deposit agreement with Heartland Bank and Trust Company.

BROKERED DEPOSITS: As an All-Deposits Transfer transaction, the total of all deposit accounts, including brokered deposits, have been assumed by Heartland Bank and Trust Company. If you are a customer who has a Citizens First National Bank deposit through a broker, you must contact your broker with any questions.

TAX REPORTING – 1098 AND/OR 1099: Heartland Bank and Trust Company will be responsible for mailing your 1099 tax information. Your 1098 reporting will be done by the FDIC or the servicer of your loan. You will be notified of any changes in ownership or servicing of your loan.

SAFE DEPOSIT BOXES: You may continue to access your safe deposit box during normal business hours. Any changes will be communicated by Heartland Bank and Trust Company.

OVERDRAFT LINES OF CREDIT: These lines have been transferred to Heartland Bank and Trust Company. Please contact Heartland Bank and Trust Company if you have additional questions regarding your accounts.

LOAN PAYMENTS: You should continue to make your payments according to the terms of your written contract. You may continue to make your payments at the branch office or send them to the same payment address with checks made payable to Citizens First National Bank.

ESCROW PAYMENTS: All services previously performed related to your loan will continue. Should you receive notification that any portion of your taxes or insurance was not paid, notify your loan officer immediately.

LOANS IN PROCESS: Please contact your current loan officer directly.

SHARES OF STOCK: All shares of stock were owned by the holding company, Princeton National Bancorp, Inc., Princeton, IL. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Princeton National Bancorp, Inc., please do not contact or file a claim with the receiver. You must contact the holding company directly for more information:

Princeton National Bancorp, Inc.
211 Fulton Street, Suite 600
Peoria, IL  61602

CLAIMS: Please send claims to the following address:

FDIC as Receiver for Citizens First National Bank
1601 Bryan Street
Dallas, TX  75201
Attention: Claims Agent

DEPOSIT INSURANCE INFORMATION: If you have accounts in both the failed bank and Heartland Bank and Trust Company, they will be insured separately for at least six months following the merger of the banks. This will allow you time to restructure your accounts if necessary.

ADDITIONAL QUESTIONS: You may contact the FDIC Call Center at the number provided below with any additional questions:

FDIC Call Center
Toll free number 1-800-830-4698
Hours of Operation – Central Time
Friday, November 2, 2012:Until 9:00 p.m.
Saturday, November 3, 2012:9:00 a.m. – 6:00 p.m.
Sunday, November 4, 2012:Noon – 6:00 p.m.
Monday, November 5, 2012:8:00 a.m. – 8:00 p.m.
Thereafter:9:00 a.m. – 5:00 p.m.

SCAMS: Be watchful for and resistant to any scams to obtain information from you by individuals or entities stating that they are acting on behalf of either the failed bank, new bank, or the FDIC. Should you be contacted by anyone requesting personal information from you related to this event, please contact the call center above and you will be directed to the appropriate person.

For more information: www.fdic.gov/bank/individual/failed/cfnb.html

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