Transaction Account Guarantee Program

MidWestOne Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest bearing transaction accounts, including IOLTAs and NOW accounts in which the APY is 0.50% or less, are fully guaranteed by the FDIC for the entire amount of the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

For more information on the FDIC's Temporary Liquidity Guarantee Program visit www.fdic.gov/tlgp