FDIC Transaction Account Guarantee Program

                   Disclosure

                                Kendall State Bank has chosen not to participate in the

                            FDIC's Transaction Account Guarantee Program.

                            Customers of Kendall State Bank with non-interest

                           bearing transaction accounts will continue to be

                           insured through December 31, 2013, for up to

                          $250,000.00 under the FDIC's general deposit

                          insurance rules.