Forest Park National Bank & Trust Company is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all non-interest 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 coverage available under the FDIC's general deposit insurance rules. Also, on October 3, 2008, the FDIC Insurance was temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. On May 20, 2009, Congress extended the $250,000 coverage through December 31, 2013.