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Peoples Bank and Trust 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. NOW accounts with interest rates no higher than 0.50% are also included in this program.

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.

Please contact a Bank Officer or a Customer Service Representative if you have any questions regarding this program.