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Annual Disclosure Statement

ANNUAL DISCLOSURE STATEMENT NOTICE OF AVAILABILITY

Financial information about this bank is available to our customers, shareholders, and the General Public on request.

In accordance with Federal regulation to facilitate more informed decision-making depositors, and the general public, we will provide an Annual Disclosure Statement containing financial informations for the last two years. This information will be updated annually and available as of March 31st.

TO OBTAIN A COPY

To obtain a copy of the Annual Disclosure Statement, please contact:

Whitney Stringer

Grand Rivers Community Bank

Karnak Branch

406 Washington Street, P. O. Box 460

Karnak, IL 62956

Telephone: 618-634-2002