Important Information Regarding FDIC Deposit Insurance Coverage Hometown Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 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. Noninterest bearing account funds that are swept into interest bearing accounts will not be covered by the Transaction Guarantee Program.