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Community Reinvestment Act

COMMUNITY REINVESTMENT ACT NOTICE

Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The FDIC also 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 branches, such as their locations and services provided at them; 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 FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter.  This list is available from the Regional Director, Division of Depositor and Consumer Protection, Federal Deposit Insurance Corporation, 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 Daniel Eichelberger, President & CEO, 600 East Main Street, P.O. Box 158, Olney, Illinois 62450 and FDIC Regional Director.  You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov/ regulations/cra. 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 Director.  You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC.  We are an affiliate of Rich Land Bancorp, Inc., a bank holding company.  You may request from the Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, Missouri 63166 an announcement of applications covered by the CRA filed by bank holding companies.

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department of Financial and Professional Regulation, 320 W Washington St #3, Springfield, IL 62786. We will update this notice when our first evaluation has been issued.

Evaluations available under the federal Community Reinvestment Act (CRA) (12 U.S.C. 2901 et seq.) are not affected by the Illinois Community Reinvestment Act. Please see the federal CRA notice above.

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