Notices

December 19, 2008

MARSHALL BANK, N.A. is participating in the FDIC's Transaction Account Guarantee Program. Under the 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.

October 3, 2008

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009 as part of the Emergency Economic Stabilization Act of 2008. The temporary increase in deposit insurance coverage became effective immediately. The legislation provides that the basic deposit insurance limit will return to $100,000 after December 31, 2009.

Please call your local branch or visit www.FDIC.gov for answers to questions regarding the temporary increase in FDIC coverage.