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Temporary Liquidity Guarantee Program

Farmers Security Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30th 2010, all non-interest bearing transaction accounts,including Farmers Security Bank's NOW accounts earning .50% or less, are fully guaranteed by the FDIC for the entire amount in the account. NOW accounts earning more than .50% are not eligible for the additional Transaction Account Guarantee Program insurance. Coverage under the Transaction Account Guarantee Program is in addition to and seperate from the coverage available under the FDIC's general deposit insurance rules.


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