FDIC Insurance
   Coverage

     Two Rivers Bank & Trust is participating
     in the FDIC's Transaction Account
     Guarantee Program. Under that
     program, through June 30, 2010,
     all noninterest bearing transaction
     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 separate
     from the coverage available under the
     FDIC's general deposit insurance rules.