Transaction Account Guarantee Program Notice:

First National Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2010, your noninterest-bearing transaction accounts with First National Bank 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.

Permanent Increase in Standard Maximum Deposit Insurance Amount:

The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.