Kenmare                                                    Berthold
               Telephone:  (701) 385-4287                  Telephone:  (701) 453-3407
                      Fax:  (701) 385-4280                                Fax:  (701) 453-3417
                            PO Box 727                                               PO Box 278
                     Kenmare, ND  58746                                Berthold, ND  58718

                  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 $250,000.00 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 earn interest, NOW accounts, and money-market deposit accounts.

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