TRANSACTION ACCOUNT GUARANTEE PROGRAM: FRANDSEN BANK & TRUST is participating in the FDIC's Transaction Account Guarantee Program. Under this 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 the coverage available under the FDIC's general deposit insurance rules. NOTE: Interest-bearing-transaction accounts (NOW Accounts) with a rate of .50% and less are also fully guaranteed. We're here to serve you! If you have any questions please don't hesitate to contact us: E-mail us Office Addresses and Phone Numbers FDIC Insurance Coverage Estimator Our Customer Commitment We will provide our customers exceptional service We will continually strive to improve our daily operating procedures to benefit our customers We will always conduct our customer service in a professional and ethical manner