Farmington 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.

Accounts with the designation of “IOLTA” are fully guaranteed by the FDIC for the entire amount in the account.

In addition, “NOW” accounts with low interest rates, (interest rate may not exceed 0.5% at any time during the coverage period) are fully guaranteed by the FDIC for the entire amount in the account through June 30, 2010. Effective July 1, 2010 “NOW” accounts with interest rates that do not exceed 0.25% at any time during the coverage period will be fully guaranteed by the FDIC for the entire amount in the account.