PRIVACY POLICY

Temporary Liquidity Guarantee Program

Our Institution has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 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. NOW accounts will continue to be insured up to $250,000.