NEW COMMERCIAL CLIENT GUIDE

NEW COMMERCIAL CLIENT GUIDE FROM OLD SECOND NATIONAL BANK CONTENTS WELCOME... 1 IMPORTANT DATES... 2 Q&A... 3 COMMERCIAL CHECKING & SAVINGS ACCOUNTS... 6 OTHER IMPORTANT ACCOUNT & SERVICE INFORMATION... 8 COMMERCIAL BANKING SOLUTIONS... 11 MORE SOLUTIONS... 12 LOCATIONS... 13

WELCOME On behalf of the Board of Directors, the management team and all of our employees, please accept our warmest welcome to Old Second Bank. As a member of the Old Second network, you will be part of a strong financial organization that has consistently helped individuals throughout the Chicago area for over 145 years. We look forward to building on our existing relationship with you long into the future. James Eccher, President & CEO ABOUT OLD SECOND NATIONAL BANK Unlike other Chicago area banks, our heritage traces the advancement and evolution of the banking industry and the growth and expansion of the Chicago metropolitan area. The same local spirit that sparked that original group of early settlers to invest in and finance their town s growth helped guide us as Old Second expanded throughout Kane, Kendall, DeKalb, Cook, LaSalle, DuPage, and Will counties. Old Second offers a complete array of business and personal banking products and services that are designed with our customers and their financial goals in mind. We aspire to be a valued component in our customers lives and businesses. To do this, we strive to be highly responsive to our customers needs through the creation of customized solutions. 1

IMPORTANT DATES April 19, 2018... Old Second National Bank acquires ABC Bank. ABC customer accounts will not change to Old Second Bank accounts until after close of business on June 8th. May 1, 2018... New Customer Guide and Disclosures mailed includes account terms, conditions, fees and other important information about your accounts. May 18, 2018... Debit Card program information mailed to debit card holders. June 1, 2018... ABC Bank Debit Card holders should start receiving their new Old Second Bank Debit Cards. If you do not receive your Old Second Bank Debit Card by June 6, 2018, please call the Old Second Support Center at 877-866-0202. June 4, 2018... The week of June 4, 2018, an email related to your new O2 Online Banking account will be sent to you. The email will contain your new O2 Online Banking ID, your temporary password, and instructions on how to start using your online banking account, which will be available the afternoon of June 10, 2018. June 4, 2018... Your ABC Bank online bill pay capability will be disabled. You will no longer be able to schedule any new payments, change payments or view bill pay activity and payees. Any payment scheduled to occur prior to June 8, 2018 will be completed as scheduled. June 8, 2018... After close of business your ABC Bank accounts will be converted to Old Second Bank accounts. For accounts that receive statements, your final ABC Bank statement will be generated with all activity through the end of the business day. This will be a paper statement even if you normally receive an electronic statement. Mobile Deposit, EZDeposit and ABC Online Banking for business customers will no longer be available after 4 p.m. on June 8, 2018. June 9, 2018... All ABC branches will officially open as Old Second National Bank branches. June 10, 2018... After 7 a.m. on Sunday, June 10, 2018, your ABC Bank Debit Card will no longer work. At that time you can start using your Old Second Bank Debit Card to access your accounts. By Sunday afternoon, you will be able to sign in and access your O2 Online Banking and BillPay and set up your Mobile Banking. 2

Q&A Will the name of my bank change? Yes. At the close of business on April 19, 2018, Old Second National Bank headquartered in Aurora, Illinois, purchased ABC Bank. ABC Bank branches will become branches of Old Second National Bank. Signage changes on the bank will not occur until the weekend of June 9, 2018. Your ABC Bank deposit, loan and safe deposit box accounts will be converted to Old Second Bank accounts at the close of business on Friday, June 8, 2018. Will the hours of operation for my ABC branch change? No. The business hours for your branch will remain the same. Will I still be able to do the same banking activities at my branch? Yes. You will still be able to conduct the same banking transactions at your local branch. After June 8, 2018 you will also have additional banking services available: Health Savings Accounts, Prepaid gift and reloadable cards, PAYDAY Payroll Cards, foreign currency purchase and redemption, and other specialized loan programs and Cash Management Services. Visit www.oldsecond.com/commercial for more information. Does Old Second have other branches in the Chicago area? Yes. Old Second Bank has 25 other full service locations in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. You will be able to transact your banking at any Old Second location on June 11, 2018. For other Old Second locations go to www.oldsecond.com/locations. Will the staff stay the same at my ABC Bank branch? You will continue to see many of the same familiar faces in your branch. Will my account numbers change? Most checking, savings, and loan account numbers will remain the same but the bank ABA routing number will change to 071900760. After June 8th the new routing number will need to be used when setting up new direct deposit, ACH credits or debits, or wire transfers from your account. If your account number does need to be changed, a banker will contact you prior to account conversion. Do I have to contact companies to change the routing number on any direct deposit, or automated payments to or from my account? No. All recurring automated debits or credits from or to outside companies should continue as scheduled and there should be no interruptions. Will my deposit account type change? Yes. Your ABC checking, savings, or money market account types will change. On page 6 of this guide, you will find account conversion information. This will tell you what your new account will be and the basic features. A Commercial Deposit Service Fees & Account Disclosures booklet is included in this packet. If you have a certificate of deposit (CD), there will be no change to your CD rate or terms until the first maturity after June 8, 2018. Approximately twenty days prior to the maturity date of your certificate of deposit, you will receive a maturity notice with new terms and conditions that will apply. Will I still be able to use my ABC Bank checks, deposit tickets, and endorsement stamp? Yes. Even though the ABA routing number is changing, your current checks and deposit tickets will not need to be replaced. Also any outstanding checks, debits or credits will continue to clear. The next time you order checks the routing number will need to be changed on the check order. If you order new checks through Harland Clarke, ABC Bank s and Old Second Bank s preferred check vendor, you just need to place your order and the routing number and bank name will automatically change. If you order checks through a different check provider, you will need to provide them with the name Old Second National Bank and the new routing number. Please 3

Q&A contact your banker or call Old Second Customer Support at 877-866-0202 if you have questions. After conversion, you can request that your banker order you a new endorsement stamp at no cost or you can call Customer Support at 877-866-0202 and request that a new endorsement stamp be ordered to replace your ABC Bank endorsement stamp. be viewed or downloaded from your O2 Online Banking account. Your last ABC statement is a paper statement. After June 8, 2018, who do I contact if I have questions on my former ABC account? You can call your local branch or the Old Second Support Center at 877-866-0202. 4 Will anything change on my commercial loan or line of credit? The rate, terms and conditions of your loan or line will remain the same until the loan matures, is renewed or modified. The only change at this time will be that the line or loan will be held by Old Second National Bank. If you receive an activity or billing statement for your line or loan, you will receive a final ABC Bank activity statement as of the end of business on June 8, 2018. You will continue to receive activity or billing statements from Old Second Bank on your normal date. If I have money automatically transferred from my ABC checking account to my ABC loan or savings account will the transfers still occur after conversion? Yes. If you have transfers between deposit or loan accounts set-up to occur automatically, the transfers will continue in the same amount, with the same frequency and on the same dates. When will I receive my checking or savings account statement? You will receive a final ABC Bank deposit statement which includes all activity through the end of business on June 8, 2018. Your Old Second checking and money market account will cycle at the end of each month. Your savings account will continue to cycle on the calendar quarter. If I currently receive electronic statements on my accounts, will I still receive them electronically? Yes. Old Second will continue to provide electronic statements. You will need to re-enroll for estatements through O2 Online Banking. Your Old Second Bank statements can then Will my ABC Debit Card work after June 8, 2018? Your ABC Debit MasterCard will work until Sunday, June 10, 2018 at 7 a.m. When will I receive my new debit card and when can I start using it? Your new Old Second Debit Card powered by Discover should arrive in the mail June 1-6, 2018. You will be able to activate your new Old Second Debit Card when you receive it but you will not be able to use the card until Sunday, June 10, 2018 at 7:00 a.m. More detailed information on your debit card will be mailed to you on May 18, 2018. Currently if I use a non ABC Bank ATM that is part of the STAR network, I can avoid surcharge fees (fees charged by the ATM owner). Can I continue to avoid these surcharge fees? Yes. The Star network ATMs will no longer be surcharge-free because Old Second is not a member. Old Second is a member of the surcharge free MoneyPass ATM Network with over 25,000 ATMs nationwide. Old Second also owns a network of over 60 ATMs located in the Chicagoland area. Download the MoneyPass App on your smart phone for easy access to locations of surcharge free MoneyPass ATMs. Will I have continued access to my ABC Bank Online Banking and Bill Pay? Your ABC Online Banking account will not be available after 4:00 p.m. on Friday, June 8, 2018. Bill Pay will be disabled on June 4, 2018. You will no longer be able to schedule or cancel payments or view MasterCard is a registered trademark of MasterCard International Corp. Discover is a registered trademark of Discover Financial Services.

Q&A bill pay history including payee information. Any payments scheduled prior to June 8, 2018 will still be processed. We recommend that you print or save screen shots of any information from your ABC Bank Online Banking account that you want to keep for your records. If I have ABC Online Banking, will I automatically be set up for O2 Online Banking? Yes. The week of June 4, 2018, you will receive an email with your new Online Banking ID, your temporary password and instructions on how to activate your account. All of your accounts that are set up on ABC Online Banking will be added to your new Old Second Online account. No history of account activity will be carried over. Will my ABC Bill Pay payee information and any recurring payments I set up be carried over to my account? Yes. Your payee information should be added to O2 BillPay as well as scheduled recurring payments. EBills will no longer be available with O2 BillPay. Please carefully check your BillPay payees and scheduled payments to make sure that they are correct. How will my ABC Bank Online Cash Management services transition over to Old Second s Online Cash Manager? Old Second Bank s Treasury Management team along with our Treasury Management Support team will assist you in transferring over your current Cash Management services. You will be receiving additional information for each service that will help explain what steps need to be taken for a smooth transition. Our Treasury Support team can be reached at 630-966-2455 Monday through Friday from 8 a.m. to 5 p.m. to assist you with any questions you may have related to set-up, use or functionality of your specific cash management services. Does Old Second have mobile banking? Yes, Old Second has a Mobile Banking app for both Android and ios devices. Old Second s Mobile Banking can be set up by downloading the O2 Mobile App to your device. Mobile Banking has many of the robust capabilities that O2 Online Banking has with the added time saving Mobile Deposit function. Compatible Android and ios devices have Touch ID Fingerprint Authentication. In addition, through online banking you can set up Text Banking for receiving quick balance and activity with a simple text command. Will my business still have access to make check deposits using EZDeposit and will my scanner still work? You will be able to make check deposits using your ABC Bank EZDeposit until 4:00 p.m. on Friday, June 8, 2018. Your EZDeposit account will be disabled at that time. Old Second Bank offers a very similar product called O2 Remote Deposit Capture (RDC) that works with your current EZDeposit scanner. Prior to June 8th, you will receive information on how to uninstall your EZDeposit software on your current scanner and how to install O2 Remote Deposit Capture software to your current scanner. What happens to Merchant Card Processing services after June 8, 2018? Both ABC Bank and Old Second use Elavon Card Processing, so you should see no change to card processing services at account conversion. If any changes will be required, one of our Treasury Management team members will contact you. What if I have personal accounts and loans? If you have personal accounts or loans, you will receive a separate Personal Guide with information on the conversion of your accounts and loans to Old Second accounts and loans. Your banker can also answer any questions you may have. 5

COMMERCIAL CHECKING & SAVINGS Your ABC checking, savings, or money market account will convert to an Old Second account per the following table: ABC Business Checking will convert to Old Second Business Checking (Analysis) Monthly Maintenance Fee $25 Checks/Items $0.215 per item Per Deposit/Credit $0.80 per deposit Credit Items $0.15 on O2/$0.1895 not on O2 (Transit) ACH Items $0.13 Cash Units $0.05 per cash unit (1 cash unit=$50.00) Earnings Credit Tiered (under $50,000, $50,000-$99,000, $100,000+) Paper Statements $5 monthly fee. estatements are free. ABC Non-Profit Business Checking/ ABC Small Business Checking will convert to Monthly Maintenance Fee Transaction Item Fee Cash Units Paper Statements Overdraft Sweep Old Second Business Free Checking No 102 free transaction items per month. $0.35 for each additional item. 102 free cash units per month ($50=1 cash unit). $0.35 per each additional cash unit. $5.00 monthly fee. estatements are free. $10 per occurrence for an overdraft sweep from a Business Builder Savings or Business Money Market. Sweep occurs in increments of $100. 6 ABC Business DDA with Interest/ ABC Super NOW Monthly Maintenance Fee Transaction Item Fee Cash Units Interest Paper Statements Overdraft Sweep (you must request this transfer service) Old Second Business Choice NOW $12-fee is waived if minimum deposit relationship met--core personal and business deposits are at least $25,000 or customer maintains $100,000 in time or loan balances. 202 free transaction items per month. $0.35 for each additional item. 202 free cash units per month ($50=1 cash unit). $0.35 per each additional cash unit. Account earns interest on balances of $1,000 or more. Interest rate is variable and subject to change at any time. Rate as of April 20, 2018 is 0.05%. $5.00 monthly fee. estatements are free. $10 per occurrence for an overdraft sweep from a Business Builder Savings or Business Money Market. Sweep occurs in increments of $100.

COMMERCIAL CHECKING & SAVINGS ABC IOLTA Illinois Lawyers Trust Fund There are no substantial changes to this account. There are no fees or minimum balance requirements. The current interest rate paid per State of Illinois regulation is 1.05% as of January 2018. ABC Business Savings/ ABC Business Non-Profit Savings will convert to Monthly Maintenance Fee Debit Transaction Items Deposit Transaction Items Cash Units Tiered Interest Rate Old Second Business Builder Savings $12-fee is waived if minimum daily balance of $1,000 is met. 6 free debits per month.* $12 per additional debit. 50 free deposit items per month. $0.35 per additional item. 50 free cash units per month. $0.35 per additional cash unit (1 cash unit=$50.00) Rates as of April 20, 2018 (balances under $1,000 do not earn interest) $1,000-$9,999...0.050% $10,000-$24,999...0.050% $25,000-$49,999...0.090% $50,000+...0.120% *Maximum of 6 preauthorized and third party transfers per month per regulations or account may be closed. ABC Business Money Market Monthly Maintenance Fee Debit Transaction Items Deposit Transaction Items Cash Units Tiered Interest Rate Old Second Business Money Market $12-fee is waived if minimum daily balance of $1,000 is met. 6 free debits per month.* $12 per additional debit. 50 free deposit items per month. $0.35 per additional item. 50 free cash units per month. $0.35 per additional cash unit (1 cash unit=$50.00) Rates as of April 20, 2018 (balances under $1,000 do not earn interest) $1,000-$9,999...0.050% $10,000-$24,999...0.050% $25,000-$49,999...0.050% $50,000+...0.080% *Maximum of 6 preauthorized and third party transfers per month per regulations or account may be closed. 7

OTHER IMPORTANT ACCOUNT & SERVICE INFORMATION Commercial Loans There will be no change to the rates, payment schedule, terms or structure of your commercial loans or lines of credit. Your loan number will remain the same. You can continue to make your payment at any Old Second Bank location, auto deduct from your Old Second checking or money market account, mail to Old Second or any other method you are currently using. Payments can be mailed to Old Second National Bank: 37 S. River Street, Aurora, Illinois, 60506. Deposit Bank Statements You will receive a final checking, money market, or savings statement from ABC Bank that will contain activity through the close of business on June 8, 2018. This will be a paper statement. Your Old Second Bank checking and money market statement will be a month end statement. This will result in two June statements on your account. Your Old Second Savings account statement will be produced on the calendar quarter unless you have activity that triggers a monthly statement. If you are receiving electronic statements from ABC Bank you will need to re-enroll in O2 estatements through O2 Online Banking by clicking on the estatement tab at the top of the page and follow the confirmation process. Old Second encourages the receipt of estatements to avoid the $5.00 monthly fee that applies to receiving paper statements on your checking accounts. Old Second also offers an alternative secure email delivery option that enables you to have your statement sent to additional recipients such as your accountant. Call and ask us about your best estatement option. Certificates of Deposit (CD) There will be no changes to the rates, terms, early withdrawal penalties or your interest disposition on your current Certificates of Deposit until the first maturity date after June 8, 2018. Approximately 20 days prior to the maturity date of your CD, you will receive new terms and conditions including changes to early withdrawal penalties. For balance and other information on your CDs, you can request your CDs be added to your O2 Online Banking account, request your CD information be combined with your checking or savings statement, or call our automated free 24 hour system (INFOLINE) at 888-892-6565. Debit Card You should receive your new O2 Debit Card on or shortly after June 1, 2018. You can activate your new card at any time by following the instructions included with the card. The card cannot be used until after 7 a.m. on Sunday, June 10, 2018. Your ABC Bank card will no longer work after 7 a.m. on Sunday, June 10, 2018. On May 18, 2018, you will be mailed additional information on the O2 Debit Card including information on our SecurLOCK Equip App that allows you to manage your debit card, MoneyPass Surcharge Free ATM Network and App, and also other great benefits. Online Banking and Bill Pay You will have access to view your ABC Bank Online Banking account until 4 p.m. on Friday, June 8, 2018. Prior to that cut-off, we recommend that you print or save any history or account information that you may need for your records. The activity information on your ABC Bank Online Banking account will not be transferred over to your O2 Online Banking account. (Your account information will be available and can be provided upon your request.) 8

OTHER IMPORTANT ACCOUNT & SERVICE INFORMATION If you have ABC Bank Bill Pay, it will be disabled on June 4, 2018, and you will no longer be able to view, schedule or change payments. Any payments scheduled prior to June 8, 2018 will still be processed. Your Bill Pay information should be transferred automatically to O2 BillPay as well as your scheduled recurring payments. Please take the time to verify that your BillPay information is correct. The week of June 4, 2018, you will receive an email from Old Second with your Online Banking ID, your temporary password and instructions on activating your new O2 Online Banking account. Your O2 Online Banking account will be set-up with the same accounts that appeared on your ABC Bank Online Banking account. You will not see any activity until transactions start clearing your account after conversion. O2 Online Banking is a user friendly, functional online banking system. Besides viewing account balances and transactions on deposit and loan accounts you can: transfer between accounts, make loan payments, set up account and personal alerts, enroll and view your estatements, order checks, set up and schedule bill payments and manage mobile or text banking. Online Cash Manager Your ABC Bank online Cash Management service will be migrated to O2 Online Cash Manager a customizable cash/treasury management system. O2 Cash Manager helps you manage your cash flow online with the functionality to initiate ACH batches, perform wire transfers, upload and manage positive pay files, and allows for self-administration of user access and authorization levels. You will be receiving additional information for each product that your business currently utilizes that will explain what steps need to be taken for a smooth transition. Check out our Cash Manager Demo videos at oldsecond.com/cashmanagerdemo. Mobile Banking & Text Banking O2 Mobile Banking can be set-up by downloading the O2 App to your Android or ios device. O2 Mobile Banking offers many of the same account management options as you will find in our user friendly online banking service with the added ability to make mobile deposits through your O2 App. If you need a quick way to check your balances or last account activity, set up O2 Text Banking through the Options Tab on your O2 Online Banking account. Simple to set up and easy to use. Remote Deposit Products Old Second Bank offers 2 options for depositing checks remotely. O2 Remote Deposit Capture allows you to perform high volume deposits from your desktop using a scanner via the internet. O2 Mobile Deposit is available via our Mobile Banking app and allows you to perform deposits on the go. This deposit solution is for low volume depositors. If you use ABC Bank EZDeposit, you will no longer be able to use it after 4:00 p.m on Friday, June 8, 2018. Your current scanner should be compatible with O2 Remote Deposit Capture (RDC). You will need to uninstall EZDeposit from your scanner and install O2 Remote Deposit Capture on June 11, 2018. We will be sending you instructions on how to uninstall the EZDeposit software and install the O2 RDC software. Old Second s Treasury Management Support team can be reached at 630-966-2455, Monday through Friday from 8:00 a.m. to 5 p.m. to assist you. ios is a registered trademarks of Apple, Inc.; Android is a trademark of Google LLC. 9

OTHER IMPORTANT ACCOUNT & SERVICE INFORMATION SYSTEM REQUIREMENTS Windows 7 (Service Pack 1 or higher), Windows 8 or 8.1 or Windows 10 3.0 Ghz processor 1 Gigabyte (GB) of memory / RAM Microsoft.NET Framework 4.6 or higher Internet Explorer version 11.0 or higher, or Google Chrome An available high-speed USB 2.0 or 3.0 port At least 100 Megabytes (MB) of free disk space for installation of drivers and software The daily cutoff for Remote Deposits is 7:00pm CST. Any deposit made after that time will be processed on the next business day. Credit Cards During May and June, your ABC Bank branded credit card will be replaced with an Old Second Bank branded credit card from the card issuer, Elan. There will be no changes to the terms and conditions of your card unless you are notified by Elan. Merchant Card Processing Old Second Bank offers Merchant Card Processing services through Elavon Merchant Card solutions, your ABC Bank solutions provider. At this time there should be no changes to your services and you do not need to take any action. It is always a good idea to review your service and needs as you grow or your business changes. Old Second Bank s Treasury Management expert would be happy to sit down with you and review your current program and explore your options. Other Payment Solutions to Explore If you are looking for other options to receive and process payments, you may be interested in O2 Lockbox and O2 Customer Payment Portal (CPP) solutions. O2 Lockbox service is customizable and an easy way to accelerate your business s receivables resulting in faster funds availability. It is an ideal solution for businesses that receive large volumes or large denominations of checks. Let us take care of the collection and processing of the payments you receive, so you can concentrate on your business. Old Second Bank s Customer Payment Portal (CPP) makes it easy for businesses and non-profits to accept online payments or donations. There s no need to set up a complicated online shopping cart. A secure, custom URL can be branded and added to your website, creating a seamless experience for the end-user. 10

COMMERCIAL BANKING SOLUTIONS Start making the most of today s opportunities. For over 145 years, through good economic conditions and bad, Old Second has provided commercial banking services to companies like yours so they could continue to grow and prosper and put their future plans into action...now. Along with our commitment to provide sound fiscal advice, competitive credit and deposit products, Old Second is also committed to ensuring that our customers have the latest financial service technology that today s modern business world demands. However, we don t let the commitment to technology get in the way of each of our business customers having access to and the ability to interact with seasoned, knowledgeable bankers with a depth of experience. Commercial Financing and Credit Solutions Term Loans fixed and variable Line of Credit for working capital & equipment financing Real Estate Loans income producing & owner occupied Leasing Financing Construction Loans with end financing available SBA Loans 504 & 7A programs Agriculture Loans Letters of Credit including Import/Export Letters Specialized Programs: Health Care Financing BusinessManager for cash receivables HOA Financing Program Receivables and Collection Service Remote Deposit Capture Customer Payment Portal Lock Box retail, wholesale, electronic Merchant Card Processing Wire Transfer Incoming, Domestic, Foreign Zero Balance Accounts ACH payment, transfers Mobile Deposit and Mobile Card Processing Deposit Account Controlled Agreement Disbursement Services ACH Payments, Payroll Wire Transfer Outgoing, Domestic, Foreign Zero Balance Checking Accounts Online Bill Pay Corporate Cards Debit, Credit, Purchasing, Payroll Controlled Disbursement Transaction, Information & Fraud Services Online and Mobile Banking Online Banking Alerts Electronic Cash Management through Online Banking Positive Pay ACH Block & Filter Security Software Trusteer Rapport & Security Manager estatements with check images Electronic Data Interchange (EDI) Analysis Checking, Cash Concentration & Investment Accounts Repurchase Investment Sweeps & Short Term CDs SEP IRAs & Health Savings Accounts 11

MORE SOLUTIONS WEALTH MANAGEMENT When spending time growing your business is your top priority, our Wealth Management Team can help. Whether your business needs expert advice related to investment solutions or you want a proven partner to administer your employee benefit plan, or you are looking for retirement planning, we have the experienced professional team to help you. We ve been helping businesses and individuals grow and manage their wealth since 1919 and have over $1 billion in assets under management. Asset & Investment Management Managed investment service for businesses, non-profits and other institutions that are looking for experienced, proven advisors or management and record-keeping of their investment portfolios. Retirement and Employee Benefits Employee sponsored group plans 401(k)s, Profit Sharing, 403(b) and 457 plans. As an experienced plan administrator, we work with each of our corporate clients to develop a cost-effective benefit solution that reflects their unique objectives. Personal Wealth Services Full service portfolio construction and investment management, financial planning, brokerage services and comprehensive recordkeeping for income-tax purposes. Wealth transfer and estate planning, estate settlement services and charitable giving strategies. Experienced team of wealth investment and administrative staff that know our clients and can individualize products and services to each customer s personal situation and who take their fiduciary responsibilities very seriously. Learn more: oldsecond.com/wealth Non-deposit investment products are not insured by the FDIC; not a deposit of, or guaranteed by, the bank; may lose value. RESIDENTIAL MORTGAGES Whether it's your first home, your dream home or a vacation home, we welcome the opportunity to help find the most advantageous option for financing it. Traditional Fixed & ARM mortgages FHA, VA loans and first time home buyer programs Lot and construction loans Jumbo loans Learn more: oldsecond.com/mortgage 12

LOCATIONS DEKALB 23 DeKalb Genoa Hinckley 30 23 Sycamore Burlington Plano Hampshire Maple Park Big Rock KANE Elburn Geneva 88 25 Batavia 31 Kaneville N. Aurora Sugar Grove 34 Yorkville 72 Pingree Grove 20 47 Wasco 38 30 Montgomery Sleepy Hollow Aurora Elgin St. Charles 23 Oswego 30 20 W. Chicago Carol Stream 355 Winfield Wheaton 56 Warrenville 34 59 59 Hoffman Estates 90 290 Schaumburg DUPAGE Naperville Lisle Downers Grove Bolingbrook Romeoville 53 Arlington Heights Bensenville 290 Oak Brook 55 294 45 20 294 94 COOK 45 Oak Park 290 Chicago Oak Lawn 57 90 94 94 LASALLE Sandwich 71 KENDALL 47 Plainfield Shorewood 55 Minooka Joliet Lockport WILL 30 New Lenox 80 Mokena Orland Park Frankfort 57 Chicago Heights 23 Ottawa 80 Morris 71 GRUNDY Old Second National Bank www.oldsecond.com 1-877-866-0202 45 Peotone 37 S. River St., Aurora 555 Redwood Dr., Aurora 1350 N. Farnsworth Ave., Aurora 1230 N. Orchard Road, Aurora 4080 Fox Valley Ctr. Dr., Aurora 1991 W. Wilson St., Batavia 2 South York Road, Bensenville 194 S. Main St., Burlington 333 W. Wacker Dr., Downtown Chicago 9443 South Ashland Ave, Chicago 6400 West North Avenue, Chicago 1301 West Taylor Street, Chicago 195 W. Joe Orr Rd., Chicago Heights 749 N. Main St., Elburn 3290 Rt. 20, Elgin 20201 S. LaGrange Rd., Frankfort 850 Essington Rd., Joliet 2S101 Harter Rd., Kaneville 3101 Ogden Ave., Lisle 200 W. John St., North Aurora 1200 Douglas Rd., Oswego 323 E. Norris Dr., Ottawa 7050 Burroughs Ave., Plano 801 S. Kirk Road, St. Charles Route 47 @ Cross St., Sugar Grove 1810 DeKalb Ave., Sycamore 40W422 Route 64, Wasco 26 W. Countryside Pkwy., Yorkville 420 S. Bridge St., Yorkville 13

37 South River Street, Aurora, IL 60506-4173 www.oldsecond.com 1-877-866-0202 Member FDIC