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TRUSTBANK™ OFFERS ONLINE ACCOUNT OPENING

Olney, IL – October 20, 2009  TrustBank (www.trustbank.net) announced today that it has selected Andera's (www.andera.com) Online Account Opening solution to supplement its in-person process for opening new accounts.

According to Bruce Runyon, President and CEO of TrustBank, "Working with Andera underscores the bank's commitment to update the bank’s website to become a service delivery system that will help our customers more easily obtain the banking services they need to manage their personal and business financial needs."

"The primary reasons we are implementing Andera's Online Account Opening system are to make it easier for customers to start banking with TrustBank, and to make it convenient for existing customers to open additional deposit account relationships," said Runyon. "We are proactive in providing the advantages that technology brings to our customer base."

By incorporating real-time identity verification, initial funding, personalized cross-selling, and compliance with USA PATRIOT Act and OFAC guidelines, Andera's Online Account Opening solution is a comprehensive platform designed to support all aspects of the account opening process, through a secure browser-based environment. Immediate benefits to financial institutions include increased usage of online product applications, increased completion rate of online applications, cost savings, and increased efficiencies associated with straight-through processing.

According to Andera President, Charles Kroll, leveraging technology and the Internet is important to the success of community financial institutions. "With Andera's Online Account Opening system, community banks and credit unions can distribute product and service offerings quickly and inexpensively through their Internet channel. This enables them to be highly competitive, even with much larger institutions," said Kroll, adding, "As it has been with online banking, we expect online account opening to become a new strategy, imperative for financial institutions over the next few years."

"Online Account Opening is a tool that is consistent with our vision to provide premier financial products with superior service," said Runyon.

About  Andera


Andera is committed to providing financial institutions with innovative banking-related technology and to helping them profit from its use. The company's achievements are founded on the relationships it has with its clients, and on the practical use of technology to accomplish business objectives. With core competencies in retail and commercial banking, Andera specializes in integrating its secure, user-friendly Internet-based solutions for progressive small and medium size financial organizations. Andera customers include Bank Rhode Island, John Hancock Financial, Elmira Savings & Loan, the Parkinson's Disease Foundation, Brown University, and Metro-Goldwyn-Mayer. Andera is headquartered in Providence, Rhode Island.


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NOTICE OF EXPIRATION OF THE TEMPORARY FDIC INSURANCE
COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.