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 bear interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit ww.fdic.gov.

BANK OF CLEVELAND FACTS

• Bank of Cleveland opened its doors in May 1987. Since that time, is has grown to be the largest and strongest locally owned and managed bank in Bradley County.
• Bank of Cleveland is ranked the number one bank in the state of Tennessee for its overall performance by FMC Group of Louisville, KY. This ranking is based on return on assets, return on equity, efficiency and other various categories.
• Bank of Cleveland is ranked number 29 in the nation as featured in the American Bankers Association's Banking Journal. This ranking is based on return on shareholder equity over a multi year period.
• Five Star ranking from Bauer Financial, Inc has been awarded to Bank of Cleveland based on call report data and historical performance. Five Stars is the highest level that can be achieved and is considered a "superior ranking".
• Bank of Cleveland's deposits, up to $250,000 per account, are insured by FDIC. These limits can be increased based on how each account is titled.
• Bank of Cleveland has $28.7 million in capital as of 9/30/08. The FDIC considers a bank well capitalized if it has a capital to asset ratio of 8.00%. Bank of Cleveland's capital to asset ratio is 10.86% as of 9/30/08. This is 36% more than the FDIC considers well capitalized.
• We have not and will not do subprime lending.
• Bank of Cleveland does not offer brokerage services or insurance services. We are a traditional community bank. We accept deposits and make loans in our local market.

To receive financial information on any FDIC insured institution, go to www.fdic.gov. Click on “Consumers and Communities”. Click on “Bank Find”. You enter the bank name, city and state. It will pull up the bank and you can click for additional public financial information on that bank. This is a very useful tool.