FDIC TRANSACTION ACCOUNT
GUARANTEE PROGRAM DISCLOSURE

BANK OF OLD MONROE 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 in the account. Please note this coverage does not include NOW accounts. 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.

For more information regarding the Transaction Account Guarantee Program please visit www.fdic.gov.