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Equal Housing Lender	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 ("IOLTA's"). It does not include other accounts, such as traditional checking accounts 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.	Member

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John L. Finley, III Mike Sexton Rob Kimbrough Steve Cline Ann L. Neal Tammy Bro Sherri McCord C. W. Sweeton Russell Orcutt Matt Carnes Kellie Garber Susan Nott Cindy Brown	President / Commercial Lending Executive Vice President/Commercial Lending Executive Vice President/CFO Senior Vice President / Consumer Lending Senior Vice President Senior Vice President / Cashier Assistant Vice President Senior Vice President / Consumer Lending Vice President / Consumer Lending Vice President / Consumer Lending Assistant Vice President / Lending Assistant Cashier Assistant Cashier


Charles C. Neal, Chairman Ann L. Neal, Vice Chairman Tom S. Bomford William E. Osborn Mike Sexton Charles W. Chesnut John L. Finley, III Robert Kimbrough Loretta Goldenberg, Advisor