*KNOW-YOU-BY-YOUR-FIRST-NAME BANKING*

Frontier Bank of Texas is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing 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 seperate from the coverage available under the FDIC's general deposit insurance rules.