FDIC Insurance Coverage

On May 20, 2009, the FDIC deposit insurance coverage of up to at least
$250,000.00 per depositor was extended through December 31, 2013

Your deposits are FDIC insured. You may qualify for more than $250,000 in coverage at any one insured bank if you own deposit accounts in different ownership categories. In addition, federal law provides up to $250,000 in deposit insurance coverage for self-directed retirement accounts, such as Individual Retirement Accounts (IRAs). For additional information you may call the FDIC at 1-877-275-3342 or access information at www.fdic.gov. Fees could reduce your earnings. For additional account information, please refer to your account rules or disclosures.

First National Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, 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.