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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 rules.

The term "noninterest bearing transaction account" includes a traditional checking account (a demand deposit account) on which the insured institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTA").

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 FDIC insurance coverage of transaction accounts, contact Vintage Bank at (972) 935-5200 or visit:
www.fdic.gov.
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