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TRANSACTION ACCOUNT GUARANTEE PROGRAM

First Freedom Bank is participating in the FDIC's Transaction Account Guarantee Program. Funds held in non-interest bearing transaction accounts at this bank are fully insured by the FDIC until December 31, 2010.

Funds swept or transferred to a non-transaction account continue to be insured by the FDIC up to $250,000, but do not have the FDIC's Transaction Account Guarantee.