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.

About Marion Bank & Trust Company

Marion Bank & Trust Company is an independently owned full-service community bank. We are dedicated to serving you in the most courteous and efficient manner. Marion Bank & Trust was recently named in the 2010 Top 15th percentile of community banks nationwide, by a leading community bank risk management firm. To gain this distinguished ranking, Marion Bank & Trust demonstrated exemplary performance of balancing risk and reward. Our belief that conservative, traditional community banking is the strength of our financials was confirmed by our continued growth throughout the financial crisis. Since 2007 Marion Bank & Trust has virtually doubled its assets to $250 million. This hometown bank has successfully served the people in and around Perry County since 1934.

Marion Office
601 S. Washington Street
Marion, AL 36756
(334) 683-6131
(334) 683-6535 fax
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 Selma Branch
2400 U.S. Hwy 80 W.
Selma, AL 36701
(334) 877-2214
(334) 877-2238 fax

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