Mauch Chunk Trust Company 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 of the account. In addition, NOW accounts (“Royal 50 checking” and “Community checking plus interest”), that have interest rates at or below .50%, and IOLTA accounts at any interest rate are included in this coverage. 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.