Old Second Bancorp Investor Relations Material

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers residential mortgage loans; commercial and industrial loans to finance working capital and expansion needs; inventory and accounts receivable financing; letters of credit; acquisition and development loans for single family housing lots; secured and unsecured commercial mortgages; construction loans for residential projects, including one-to-four family homes and condominiums; business lines of credit; stock purchase agreements and equity lines of credit; loan participations; financing for farm real estate, machinery, and equipment; agricultural-related operating lines of credit for crop inputs and production expenses; term loans to finance agricultural production operations or properties at rural districts; marine financing for dealerships in new boats, boat manufacturers, marinas, and boat brokers in second hand vessels or boats repossessed from lenders contests or boat owners under financial distress; equipment financing comprising financing programs by using leasing products or alternative funding arrangements to acquire equipment required to operate a business or government organization; consumer loans that include automobile loans.