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First National Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Interest checking accounts (also known as Negotiable Order Of Withdrawal accounts or NOW accounts) that First National Bank has committed to maintain an interest rate at or below 0.50% through June 30, 2010, are also fully guaranteed by the FDIC. Beginning July 1, 2010 that rate will be reduced to 0.25%. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s basic deposit insurance rules.
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