TEMPORARY LIQUIDITY GUARANTEE PROGRAM

"Woodsboro Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 2010, 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."

What are non-interest bearing deposit transaction accounts?

They are any demand deposit accounts, such as a personal or business checking account, that do not earn interest.

How long will the coverage last?

The coverage will last through June 2010.

What happens after the end of June 2010 with the Temporary Liquidity Guarantee Plan?

While we do not know the answer yet, but fully expect the FDIC to provide guidance, allowing you to make decisions accordingly with respect to your deposits.

How does the Temporary Liquidity Guarantee Program affect my insurance coverage on other types of account?

The additional insurance coverage on non-interest bearing deposit transaction (checking) accounts is over and above the $250,000 in coverage provided already. For example, if you have $500,000 in a non-interest bearing deposit transaction (checking) account and $250,000 in a certificate of deposit (CD), the FDIC would fully insure the entire $750,000.