First Security Bank & Trust is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. All NOW accounts are excluded from this program. 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. The following NOW accounts at First Security Bank are not covered under this guarantee program, but are insured under the standard maximum deposit insurance amount of $250,000: • Reward Checking •Interest Checking