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Question and Answer Guide

Wheatland Bank, Naperville, IL

On Friday, April 23, 2010, Wheatland Bank, Naperville, IL was closed by the Illinois Department of Financial and Professional Regulation, Division of Banking. The Federal Deposit Insurance Corporation (FDIC) was then named Receiver. Subsequent to the closure, Wheaton Bank & Trust, Wheaton, IL acquired substantially all the deposits and assets of Wheatland Bank from the FDIC as Receiver for Wheatland Bank. Any claims by equity holders were not acquired. Share price does not trigger a bank closing and was not the reason for Wheatland Bank’s failure.

The total balance in your account(s) has been transferred to Wheaton Bank & Trust and will be available for transactions during regular business hours at the former Wheatland Bank branch.

You may continue to use your same checks, ATM cards and debit cards until notified.

All Direct Deposits, including Social Security checks, will continue as usual.

DEPOSIT QUESTIONS

1. Account(s): What about my account with Wheatland Bank?
2. ATM/debit card and/or Billpay: What about my ATM/debit card and/or bill paying with Wheatland Bank?
3. Brokered Deposits: I am a deposit broker or have brokered deposits. What do I do?
4. Direct Deposits - Government Deposits: What will happen to my direct deposits?
5. Existing Deposits at Wheaton Bank & Trust: I already have other deposit accounts with the new bank.  When combined with balances at this bank, my deposits exceed $250,000.  Are all funds insured?
6. Interest Rates, Early Withdrawal Penalty: Will I continue to earn interest at the same rate?  Will I be charged an early withdrawal penalty?

LOAN QUESTIONS

7. Loans/mortgages: What about my loan or mortgage with Wheatland Bank?
8. Loans in Process: What happens if I had a loan in process that had not closed or a line of credit not fully funded?

GENERAL QUESTIONS

9. Media: I represent a TV/Newspaper/Radio and would like some information.
10. Outstanding Checks: What about checks that I have written on my account with Wheatland Bank?
11. Safe Deposit Boxes: How can I claim the contents of my safe deposit box?
12. Shareholders: What about my shares of stock?
13. Transaction Types: Why do all deposits, insured or not, pass in some transactions but not in others?
14. Unpaid Bills: I did some work for the bank and have not been paid. What should I do?

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DEPOSIT QUESTIONS

1. What about my account with Wheatland Bank?

If you had an account with Wheatland Bank, you now have an account with Wheaton Bank & Trust, Wheaton, IL. All deposit accounts, which include checking, savings, money market, CDs and retirement accounts, have been transferred to Wheaton Bank & Trust, regardless of the dollar amount. No one lost any money on deposit in Wheatland Bank.

Customers of both banks should continue to use their existing branches until Wheaton Bank & Trust can fully integrate the deposit records of Wheatland Bank.

To forewarn you of any scams, please be advised that you will not receive any notification from the FDIC, the Receiver, or Wheaton Bank & Trust to claim/unlock/unsuspend your account or to provide any private information. Please be watchful for and resist any such scams to obtain information from you by individuals or entities purporting to act on behalf of Wheatland Bank, Wheaton Bank & Trust or the FDIC.

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2. What about my ATM/debit card and/or bill paying with Wheatland Bank?

Your ATM/debit card will continue to work, and bill paying will work as it has in the past.

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3. I am a deposit broker or have brokered deposits. What do I do?

As an All-Deposit Transfer transaction, the total of all deposit accounts, excluding the Cede & Co. brokered deposits, have been assumed by Wheaton Bank & Trust. The FDIC retained the Cede & Co. brokered deposits and will pay those accounts off directly.

Be advised, however, that from and after the date of closing, Wheaton Bank & Trust will accrue and pay interest on deposit liabilities at a rate it shall determine; accordingly, Wheaton Bank & Trust shall permit depositors, including brokered depositors, impacted by reduced rates to withdraw their deposits without penalty for early withdrawal.

If you are a customer who has a Wheatland Bank deposit through a broker, you must contact your broker with any questions.

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4. What will happen to my direct deposits?

Direct Deposits, including Social Security checks, will continue as normal.

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5.I already have other deposit accounts with the new bank.  When combined with balances at this bank, my deposits exceed $250,000.  Are all funds insured?

The accounts transferred to Wheaton Bank & Trust will be separately insured for at least six months after the merger.  This grace period gives a depositor the opportunity to restructure the accounts, if necessary.

CDs from the failed bank are separately insured until the earliest maturity date after the end of the six-month grace period.

CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period.

If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

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6. Will I continue to earn interest at the same rate?  Will I be charged an early withdrawal penalty?

Interest on all deposits accrued through Friday, April 23, 2010, will be paid at your same rate. Wheaton Bank & Trust will review rates. If interest rates will change, you will be notified. Your interest rate may be reduced.

You may withdraw funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with your new bank. Entering into a new deposit agreement can be done by either renewing your CD or making a deposit to or a withdrawal from your account.

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LOAN QUESTIONS

7. What about my loan or mortgage with Wheatland Bank?

All mortgages and loans have been assumed by Wheaton Bank & Trust.  Your payment amount and due date are the same.  If you are having your payment deducted from your account, it will continue as it has in the past.  You should continue to make your checks payable to Wheatland Bank and send your payments to the same address.

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8. What happens if I had a loan in process that had not closed or a line of credit not fully funded?

You should contact your loan officer.  All prior contacts remain the same.

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GENERAL QUESTIONS

9. I represent a TV/Newspaper/Radio and would like some information.

Please contact the Office of Public Affairs:

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10. What about checks that I have written on my account with Wheatland Bank?

Your checks will clear up to the available balance in your account.  You can continue to use your existing checks.

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11. How can I claim the contents of my safe deposit box?

It is business as usual.  You can go to your local branch and access your safe deposit box; however, no action on your part is required because of this transaction.

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12. What about my shares of stock?

Shareholders have a claim against the receivership; however, they have the lowest priority of claim. You should discuss this with an accountant and/or the IRS concerning the exact requirements necessary to recognize the investment as a loss for tax purposes. The FDIC does not require stockholders to file a claim with the Receiver. However, we recommend that you keep our office informed of any address change, should we need to contact you in the future.

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13. Why do all deposits, insured or not, pass in some transactions but not in others?

The FDIC is required by law to employ the least-cost resolution measure for each failed financial institution. The most frequent result had been for the FDIC to transfer only the insured deposits in a Purchase and Assumption transaction; however, the temporary increase in the deposit insurance limit has assisted in the transfer of all deposits more often in the past year.

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14. I did some work for the bank and have not been paid. What should I do?

All claims against Wheatland Bank, together with proof of the claims, must be submitted in writing to the Receiver at the following address:

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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/wheatland.html

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