NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the  Federal Deposit Insurance Corporation from December  31,  2010  through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit   insurance  rules. The  term "noninterest-bearing transaction account"  includes a traditional  checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTAs").   It does not include other accounts, such as traditional checking or demand deposit accounts  that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

FDIC INSURANCE COVERAGE

On July 21, 2010, the FDIC Standard Maximum Deposit Insurance amount of $250,000.00 was made permanent.    The FDIC Insurance  coverage limit  of $250,000.00 applies per depositor, per insured depository institution, for each account ownership category.

FDIC Aggregate Insurance Coverage
All deposits are FDIC insured and any deposits with Huntington State Bank or LoweryBank, a division of Huntington State Bank, Bank of Tyler, a division of Huntington State Bank, or Community Bank of Warren, a division of Huntington State Bank are insured as one bank in aggregate.