FDIC'S Transaction Account Guarantee Program
               First Federal Bank of Louisiana is participating in the FDIC's Transaction Account
               Guarantee Program. Under that program, through December 31, 2010, all
               non interest-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.