PUBLIC NOTICE

On October 14, 2008, the FDIC announced the Temporary Liquidity Guarantee Program (TLG Program) to strengthen confidence and encourage liquidity in the banking system. The TLG Program consists of two components: a temporary guarantee of newly issued senior unsecured debt (the Debt Guarantee Program) and a temporary unlimited guarantee of funds in noninterest-bearing transaction accounts at FDIC-insured institutions (the Transaction Account Guarantee Program). Under the Transaction Account Guarantee program, through December 31, 2010, 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.

First State Bank has elected to participate in both components of the TLG Program. All funds held in First State Bank noninterest-bearing transaction accounts are fully insured by the FDIC. Funds on deposit with First State Bank continue to be protected under FDIC deposit insurance coverage limits.