IMPORTANT DISCLOSURE REGARDING THE FDIC TEMPORARY GUARANTEE PROGRAM
Community Bank of Warren, a division of Huntington State Bank, Huntington State Bank, Bank of Tyler, a division of Huntington State Bank, Lowery Bank, a division of Huntington State Bank are participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules

FDIC TEMPORARY DEPOSITOR INSURANCE COVERAGE
The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

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.