Notice of Changes in Temporary FDIC Insurance for Transaction Accounts.

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.

NOTICE TO CLIENTS WITH TRANSFER OR SWEEP ARRANGEMENTS

First National Bank of LaGrange is participating in the FDIC's Transaction Account Guarantee Program. Under that program, your noninterest-bearing accounts with the First National Bank of LaGrange have unlimited FDIC deposit insurance. This insurance is in addition to the FDIC's normal deposit insurance coverage of $250,000. However, if you have noninterest-bearing transaction accounts with a transfer or sweep arrangement to an interest-bearing money market account, that transfer could decrease your FDIC deposit insurance coverage.

Additional information about the TLGP is available on the FDIC website at www.fdic.gov/tlgp.