Important Disclosures Regarding the Guarantee Program

First Independence Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program through December 31, 2010 all non-interest-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.

The standard insurance amount of $250,000.00 per depositor is in effect until December 31, 2013. On January 1, 2014 the standard insurance amount will return to $100,000 per depositor for all account categories except IRA's and other certain retirement accounts which will remain at $250,000 per depositor.