PONT Projected Dividend Yield

Pontiac Bancorp, Inc. ( OTCBB : PONT )

Co. is a multi-bank holding company. The Banks conduct most of their business activities with customers located in Livingston County, Illinois. In the ordinary course of business, the Banks grant agribusiness, commercial, residential and personal loans to customers located in the Banks' market area. The Banks evaluate each customer's credit worthiness on a case-by-case basis. The amount of collateral, if deemed necessary, may include real estate, accounts receivable, inventories, crops and livestock, equipment or other business and personal assets.

26 YEAR PERFORMANCE RESULTS