Peoplecome

first.

2801 BLACK ROAD

JOLIET, ILLINOIS 60435815/725-0123

bank online atwww.fcbankgroup.com

Design by Gammon Group, Joliet, IL

What does that mean to you?

Simply this — we are committed to giving

you the personal, individual service you deserve.

The kind of service that builds a trusted, lasting

relationship between you and your banker.

First Community Bank is owned and managed

by local people who promise you benefits that

mega banks can’t.

You get a personal banker who is

one of the owners. Invested in you.

Committed for the long term.

You get a personal banker who genuinely

appreciates your business. Who knows your name.

Takes time to understand your financial needs.

Gives you the kind of one-on-one service

you want but seldom get.

You get a personal banker with complete authority

to extend credit and make prompt loan decisions—

no more delays from distant decision makers

who don’t know you or your community.

Welcome to the community bank

where people come first.

HOURSLobby Hours: Mon-Thu: 8:00-5:00Fri: 8:00-6:00Sat: 8:00-1:00

Drive-Up Hours: Mon-Thurs: 7:30-6:00Fri: 7:30-7:00Sat: 7:30-1:00

BANK ONLINE Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Visitwww.fcbankgroup.com

1F I R S T C O M M U N I T Y B A N K

George BarrBoard Chair

PresidentBarr Group

You get a personal banker who monitors Will

County’s pulse and taps into resources that can

expand your personal and business network.

8 W W W . F C B A N K G R O U P . C O M

FOUNDING BOARD OF DIRECTORS

George Barr, Chair

Mary Margaret Cowhey

Terry D’Arcy

John Dollinger

Roger D’Orazio

Rex Easton

Patrick Graham

Michael Hansen

Patti Lambrecht

John Manner

Stephen Morrissette

Paul Pawlak

Robert Sohol

Mark Stofan

Frank Turk, Jr.

OFFICERS

Stephen Morrissette President and Chief Executive Officer

Brian WielbikExecutive Vice President and Chief Operating Officer

Terry HackettExecutive Vice President and Chief Lending Officer

Glen StiteleySenior Vice President and Chief Financial Officer

Steve JamnikSenior Vice President

Barb AstromVice President

Depend on committedlocal leadership.

“PERHAPS WHAT YOU’LL NOTICE

MOST IS HOW MUCH WE APPRECIATE

YOUR BUSINESS. WHEN YOU CHOOSE

US AS YOUR BANK, WE’LL REWARD

YOUR LOYALTY IN TANGIBLE WAYS.”

Federal Deposit Insurance CorporationEach Deposit Insured to $100,000

Enjoy even more rewardsas a Loyalty Client.

At First Community, we intend to earn your loyalty

and reward you for committing to a full banking

relationship with us. Bring us most of your

banking business—checking account, CD’s,

business or home-equity loan. In return,

we promise to take care of you.

7F I R S T C O M M U N I T Y B A N K

CHECKINGSmall Business Checking—Economy account for

modest transaction volume.

Business Analyzed Checking—Full service “account analysis” with management features.

Community Organization Checking—Free for groups, a sign of our support.

Interest Checking—Interest on excess funds.

CASH MANAGEMENTOnline Banking—Check balances, transfer funds, print

checks. Available 24/7 with tech support when needed.

Credit Card Deposits—Complete merchant depository services, technology to process credit card sales.

Direct Debit—Improve cash flow, increase customer retention with direct debit/ACH origination.

Debit Cards—Control, track employee purchases.Cut costs by reducing check payments.

Payroll Services—Eliminate payroll tasks. Ask us how.

Sweep Accounts—Automatically invest excess cash.

Lock Box—Improve your cash flow, reduce your workload.

Account Reconciliation—Efficient systems reduce this time-consuming chore.

INTEREST EARNINGChecking and Savings—Earn interest on excess funds.

Money Market Account—Higher interest, accessible funds.

CD’s—Smart interest on short-term excess funds.

Repurchase Agreements—Are repo’s right for you? Let’s discuss it.

Sweep Accounts—Put your money to work.

LINES OF CREDITWorking Capital Lines—Guarantees you cash when

you need it!

Credit Card—Make and track company purchases, conveniently.

Letters of Credit—When you need the promise of the bank behind you, we’re here.

Import/Export Letters of Credit—We can arrange your Trade LC’s.

“PEOPLE ARE LOYAL

TO OUR FIRM BECAUSE

THEY TRUST US.

OUR BANK WORKS

THE SAME WAY.”

Mark Stofan

Vice-PresidentStofan, Agazziand Company

See disclosures forcomplete details.

W W W . F C B A N K G R O U P . C O M2

3F I R S T C O M M U N I T Y B A N K

FREE• Loyalty Checking• Overdraft Coverage• Money Orders

HIGHER YIELDS• Loyalty Savings• Loyalty MMA’s• Loyalty CD’s

PREFERRED PRICING• Check Printing• Safe Deposit Box• Traveler’s Checks• Cashier’s Checks

FREE CONVENIENCES• Fax• Photocopying• Notary Public

LOYALTY BENEFITS

Primary checking account and additional $25,000 commitment required.

“OUR NAME SAYS

IT ALL—WE ARE A

COMMUNITY BANK.”

Pat Graham

President, HP GrahamConstruction, Inc.

6 W W W . F C B A N K G R O U P . C O M

BUSINESS/PROFESSIONAL CLIENTBANKING SERVICES

LOANSBuilding Mortgages—Mortgage financing on your most

important business assets.

Equipment Loans—Upgrade or add capacity. We’re ready when you are.

Investor Real Estate—Help in financing your income-producing property.

Land Development—We’ll help you find and finance opportunities.

Builders & Developers—Custom financing packages.

SBA—Tap SBA money from the 7A and 504 programs.

Investments and Retirement Plans—Rely on usto connect you with our financial partners inthe community.

See disclosures for complete details.

Forget about service

fees and balance requirements

on interest-bearing Loyalty Checking

and Savings Accounts.

Count on us to cover for you when

possible. If you are late making a

deposit, or miscalculate your checkbook

balance, we won’t embarrass you by bouncing

checks or penalize you by charging a per-item

NSF fee.

Get preferred pricing on check printing,

safe deposit boxes, Traveler’s and cashier’s checks.

Enjoy free fax and photocopy services at our

convenience station in the bank lobby.

Dr. Maria Isabel Galant,DDS, LTD

ClientPediatric Dentist

“MY BANK MADE THIS

NEWCOMER FEEL RIGHT

AT HOME. EVERY TIME I

WALK IN, MY BANKER

GREETS ME LIKE A

FRIEND.”

“OUR BANKER KNOWS US AND CARES

ABOUT OUR FAMILY. WE LIKE BANKING

NEIGHBOR-TO-NEIGHBOR.

NOT BANKING

BY NUMBER.”

The Block Family–Regina,George,sons John and Joseph

Clients

5F I R S T C O M M U N I T Y B A N K4 W W W . F C B A N K G R O U P . C O M

PERSONAL CLIENTBANKING SERVICES

CHECKINGFree Checking—No minimum, no check writing limits,

no direct deposit requirement.

Loyalty Checking—Free, plus interest. No minimum balance, no check writing limits.

Interest Checking—Competitive interest on balances.

Online Banking—Check balances, transfer funds, print checks. Available 24/7 with tech support when needed.

ATM/Debit Card—Instant cash, no checks to write.

Telephone Banking—Access accounts 24/7 via 800-897-1065.

MONEY MARKETFirst MMA—Competitive interest, accessible funds.

Loyalty MMA—Higher yield, no minimum balance.

SAVINGSSavings—Traditional savings, competitive interest rates.

Loyalty Savings—Premium interest, no minimum.

Minor Savers—Teaches young clients the value of savings. No minimum balance.

Holiday Savings—Funds when you need them.

CDs and IRAsCertificates of Deposit—Convenient, competitive interest,

FDIC insured. Call your banker for current options, rates.

IRA—Retirement savings options utilize current tax advantages.*

LOANSHome Equity Line of Credit—The lowest cost, most

convenient way to borrow money. Get a loan when you need it and save on taxes.*

Home Equity Installment Loan—Lower rates than car loans and credit cards. Pay with regular installments, save on taxes.*

Auto Loans—We help you choose the best option with potential interest and tax savings.*

Boat/RV Loans—Funds for fun!

Student Loans—Invest in education. Ask us how.

Credit Cards—Choose the one where you bank.

HOME LOANSMortgages—Your choice: fixed rate, variable rate,

FHA/VA, low-down payment, first-time buyer. We’ll help you choose the best option for you.

Construction Loans—Finance your new home and roll it into your mortgage.

Land and Lot Loans—Buy now, build later.

CONVENIENCESSafe Deposit Boxes—It’s safer in our vault.

Traveler’s Checks, Gift Checks

U.S. Savings Bonds

TRUSTS and INVESTMENTSRely on us to connect you with our financial partners in the community.

*Consult your tax advisor.See disclosures for complete details.

“OUR BANKER KNOWS US AND CARES

ABOUT OUR FAMILY. WE LIKE BANKING

NEIGHBOR-TO-NEIGHBOR.

NOT BANKING

BY NUMBER.”

The Block Family–Regina,George,sons John and Joseph

Clients

5F I R S T C O M M U N I T Y B A N K4 W W W . F C B A N K G R O U P . C O M

PERSONAL CLIENTBANKING SERVICES

CHECKINGFree Checking—No minimum, no check writing limits,

no direct deposit requirement.

Loyalty Checking—Free, plus interest. No minimum balance, no check writing limits.

Interest Checking—Competitive interest on balances.

Online Banking—Check balances, transfer funds, print checks. Available 24/7 with tech support when needed.

ATM/Debit Card—Instant cash, no checks to write.

Telephone Banking—Access accounts 24/7 via 800-897-1065.

MONEY MARKETFirst MMA—Competitive interest, accessible funds.

Loyalty MMA—Higher yield, no minimum balance.

SAVINGSSavings—Traditional savings, competitive interest rates.

Loyalty Savings—Premium interest, no minimum.

Minor Savers—Teaches young clients the value of savings. No minimum balance.

Holiday Savings—Funds when you need them.

CDs and IRAsCertificates of Deposit—Convenient, competitive interest,

FDIC insured. Call your banker for current options, rates.

IRA—Retirement savings options utilize current tax advantages.*

LOANSHome Equity Line of Credit—The lowest cost, most

convenient way to borrow money. Get a loan when you need it and save on taxes.*

Home Equity Installment Loan—Lower rates than car loans and credit cards. Pay with regular installments, save on taxes.*

Auto Loans—We help you choose the best option with potential interest and tax savings.*

Boat/RV Loans—Funds for fun!

Student Loans—Invest in education. Ask us how.

Credit Cards—Choose the one where you bank.

HOME LOANSMortgages—Your choice: fixed rate, variable rate,

FHA/VA, low-down payment, first-time buyer. We’ll help you choose the best option for you.

Construction Loans—Finance your new home and roll it into your mortgage.

Land and Lot Loans—Buy now, build later.

CONVENIENCESSafe Deposit Boxes—It’s safer in our vault.

Traveler’s Checks, Gift Checks

U.S. Savings Bonds

TRUSTS and INVESTMENTSRely on us to connect you with our financial partners in the community.

*Consult your tax advisor.See disclosures for complete details.

3F I R S T C O M M U N I T Y B A N K

FREE• Loyalty Checking• Overdraft Coverage• Money Orders

HIGHER YIELDS• Loyalty Savings• Loyalty MMA’s• Loyalty CD’s

PREFERRED PRICING• Check Printing• Safe Deposit Box• Traveler’s Checks• Cashier’s Checks

FREE CONVENIENCES• Fax• Photocopying• Notary Public

LOYALTY BENEFITS

Primary checking account and additional $25,000 commitment required.

“OUR NAME SAYS

IT ALL—WE ARE A

COMMUNITY BANK.”

Pat Graham

President, HP GrahamConstruction, Inc.

6 W W W . F C B A N K G R O U P . C O M

BUSINESS/PROFESSIONAL CLIENTBANKING SERVICES

LOANSBuilding Mortgages—Mortgage financing on your most

important business assets.

Equipment Loans—Upgrade or add capacity. We’re ready when you are.

Investor Real Estate—Help in financing your income-producing property.

Land Development—We’ll help you find and finance opportunities.

Builders & Developers—Custom financing packages.

SBA—Tap SBA money from the 7A and 504 programs.

Investments and Retirement Plans—Rely on usto connect you with our financial partners inthe community.

See disclosures for complete details.

Forget about service

fees and balance requirements

on interest-bearing Loyalty Checking

and Savings Accounts.

Count on us to cover for you when

possible. If you are late making a

deposit, or miscalculate your checkbook

balance, we won’t embarrass you by bouncing

checks or penalize you by charging a per-item

NSF fee.

Get preferred pricing on check printing,

safe deposit boxes, Traveler’s and cashier’s checks.

Enjoy free fax and photocopy services at our

convenience station in the bank lobby.

Dr. Maria Isabel Galant,DDS, LTD

ClientPediatric Dentist

“MY BANK MADE THIS

NEWCOMER FEEL RIGHT

AT HOME. EVERY TIME I

WALK IN, MY BANKER

GREETS ME LIKE A

FRIEND.”

Enjoy even more rewardsas a Loyalty Client.

At First Community, we intend to earn your loyalty

and reward you for committing to a full banking

relationship with us. Bring us most of your

banking business—checking account, CD’s,

business or home-equity loan. In return,

we promise to take care of you.

7F I R S T C O M M U N I T Y B A N K

CHECKINGSmall Business Checking—Economy account for

modest transaction volume.

Business Analyzed Checking—Full service “account analysis” with management features.

Community Organization Checking—Free for groups, a sign of our support.

Interest Checking—Interest on excess funds.

CASH MANAGEMENTOnline Banking—Check balances, transfer funds, print

checks. Available 24/7 with tech support when needed.

Credit Card Deposits—Complete merchant depository services, technology to process credit card sales.

Direct Debit—Improve cash flow, increase customer retention with direct debit/ACH origination.

Debit Cards—Control, track employee purchases.Cut costs by reducing check payments.

Payroll Services—Eliminate payroll tasks. Ask us how.

Sweep Accounts—Automatically invest excess cash.

Lock Box—Improve your cash flow, reduce your workload.

Account Reconciliation—Efficient systems reduce this time-consuming chore.

INTEREST EARNINGChecking and Savings—Earn interest on excess funds.

Money Market Account—Higher interest, accessible funds.

CD’s—Smart interest on short-term excess funds.

Repurchase Agreements—Are repo’s right for you? Let’s discuss it.

Sweep Accounts—Put your money to work.

LINES OF CREDITWorking Capital Lines—Guarantees you cash when

you need it!

Credit Card—Make and track company purchases, conveniently.

Letters of Credit—When you need the promise of the bank behind you, we’re here.

Import/Export Letters of Credit—We can arrange your Trade LC’s.

“PEOPLE ARE LOYAL

TO OUR FIRM BECAUSE

THEY TRUST US.

OUR BANK WORKS

THE SAME WAY.”

Mark Stofan

Vice-PresidentStofan, Agazziand Company

See disclosures forcomplete details.

W W W . F C B A N K G R O U P . C O M2

1F I R S T C O M M U N I T Y B A N K

George BarrBoard Chair

PresidentBarr Group

You get a personal banker who monitors Will

County’s pulse and taps into resources that can

expand your personal and business network.

8 W W W . F C B A N K G R O U P . C O M

FOUNDING BOARD OF DIRECTORS

George Barr, Chair

Mary Margaret Cowhey

Terry D’Arcy

John Dollinger

Roger D’Orazio

Rex Easton

Patrick Graham

Michael Hansen

Patti Lambrecht

John Manner

Stephen Morrissette

Paul Pawlak

Robert Sohol

Mark Stofan

Frank Turk, Jr.

OFFICERS

Stephen Morrissette President and Chief Executive Officer

Brian WielbikExecutive Vice President and Chief Operating Officer

Terry HackettExecutive Vice President and Chief Lending Officer

Glen StiteleySenior Vice President and Chief Financial Officer

Steve JamnikSenior Vice President

Barb AstromVice President

Depend on committedlocal leadership.

“PERHAPS WHAT YOU’LL NOTICE

MOST IS HOW MUCH WE APPRECIATE

YOUR BUSINESS. WHEN YOU CHOOSE

US AS YOUR BANK, WE’LL REWARD

YOUR LOYALTY IN TANGIBLE WAYS.”

Federal Deposit Insurance CorporationEach Deposit Insured to $100,000

What does that mean to you?

Simply this — we are committed to giving

you the personal, individual service you deserve.

The kind of service that builds a trusted, lasting

relationship between you and your banker.

First Community Bank is owned and managed

by local people who promise you benefits that

mega banks can’t.

You get a personal banker who is

one of the owners. Invested in you.

Committed for the long term.

You get a personal banker who genuinely

appreciates your business. Who knows your name.

Takes time to understand your financial needs.

Gives you the kind of one-on-one service

you want but seldom get.

You get a personal banker with complete authority

to extend credit and make prompt loan decisions—

no more delays from distant decision makers

who don’t know you or your community.

Welcome to the community bank

where people come first.

HOURSLobby Hours: Mon-Thu: 8:00-5:00Fri: 8:00-6:00Sat: 8:00-1:00

Drive-Up Hours: Mon-Thurs: 7:30-6:00Fri: 7:30-7:00Sat: 7:30-1:00

BANK ONLINE Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Visitwww.fcbankgroup.com

Peoplecome

first.

2801 BLACK ROAD

JOLIET, ILLINOIS 60435815/725-0123

bank online atwww.fcbankgroup.com

Design by Gammon Group, Joliet, IL