FirstBank 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. 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.

* Insurance products offered by FirstInsurance Agency, Inc are not a bank deposit. They are not insured by the FDIC nor by any other federal government agency. Neither are they insured by FirstBank or any of its subsidiaries.