To The Depositors of TransCapital Bank: TransCapital Bank is participating in the FDIC's Transaction Guarantee Program. All funds in a "noninterest-bearing transaction account" are fully insured by the Federal Deposit Insurance Corporation from December 1, 2010, through December 1, 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 traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also incudes Interest on Lawyers Trust Accounts ("IOTA"s).  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market accounts. For more information about temporary FDIC unsurance coverage of transaction accounts, visit www.fdic.gov.