Fleetwood Bank

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 Lawyer Trust Accounts ("IOLTA's"). It does not include other accounts,

such as traditional checking or demand deposit accounts that may earn

interest, NOW accounts, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of

transaction accounts, visit ww.fdic.gov.

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FDIC deposit insurance increased from $100,000 to $250,000 per depositor.