First State Bank is participating in the FDIC's Transaction 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. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC general deposit insurance rules.

FDIC insures each depositor up to at least $250,000.00

To learn more about FDIC Insurance go to www.myFDICinsurance.gov.

As discussed above, through December 31, 2010, low-interest NOW accounts and all IOLTAs are protected in full at Individual Deposit Institutions participating in the TAGP. These accounts, however, are not eligible for unlimited deposit insurance coverage under the Dodd-Frank provision. Thus, starting January 1, 2011, all NOW accounts and IOLTAs will be insured under the general deposit insurance rules and will no longer be eligible for unlimited protection.