We are pleased to inform you that Cole Taylor Bank is participating in the FDIC's Transaction Account Guarantee Program ("Program"). Under the Program, now extended through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

For purposes of the Program, the FDIC has included in the definition of a non-interest-bearing transaction account: accounts commonly known as Interest on Lawyers Trust Accounts (IOLTAs) and functionally equivalent accounts; and effective July 1, 2010, Negotiable Order of Withdrawal accounts (NOW accounts) with interest rates no higher than 0.25% for which the insured depository institution at which the account is held has "committed" to maintain the interest rate at or below 0.25% through the December 31, 2010 extension.

At Cole Taylor Bank, the following accounts are eligible within this definition:

• Non-interest-bearing transaction accounts
  
• Interest on Lawyers Trust Account - IOLTA
  
• Cole Taylor's TAG NOW Interest Checking Account

All other accounts are ineligible.

Read more about TAGP at www.fdic.gov