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. The term "noninterest-bearing transaction account" does not include interest-bearing accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, or Interest on Lawyers Trust Accounts (IOLTA's).

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. You may also contact Western Commerce Bank at (575) 887-6686 or toll free at 1-800-922-9028 with any questions you may have.