Please click on the questions below to learn more:

• NEW IMPORTANT UPDATE: Have you heard about the FDIC unlimited available coverage?
• Do you QUALIFY FOR MORE THAN $250,000 in insurance coverage?
• What does Basic FDIC Insurance cover?
• Want to learn more about your FDIC coverage and how it works?
  Check out our FDIC resources links.

FDIC Transaction Account Guarantee Program

First National Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 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.

ADDITIONAL INCREASED INSURANCE COVERAGE

FDIC provides separate insurance coverage for deposits held in different categories of ownership. You may qualify for more than $250,000 in coverage through a combination of First National Bank accounts. The most common ownership categories are:

• Single Accounts
• Certain Retirement Accounts
• Joint Accounts
• Revocable Trust Accounts

BASIC INSURANCE COVERAGE

Deposits maintained in different categories of ownership can also be separately insured. Therefore, it is possible to have deposits of more than $250,000 at one insured bank and still be fully insured. Please see your FNB new accounts representative to discuss the 8 ownership categories recognized by FDIC regulations and the requirements that must be met to have coverage beyond the basic $250,000 amount.

Qualifying FNB Accounts (Unlimited Coverage): Portfolio Business checking account Commercial Foundation Checking account Free Business checking account Free Personal checking account Welcome to the Family checking account Killer Bee Checking account Ice Rays Checking account Non-Profit checking account Now and Super Now accounts You've Earned It Senior Checking account First Rewards & First Reward+ Checking account IOLTA

Non-Qualifying FNB Accounts (Capped at $250,000): All Savings accounts Money Market accounts CD accounts (For CDs with maturing date after 12-31-2013, please confirm coverage through the FDIC EDIE Calculator at www.fdic.gov/edie) IRA accounts

*Accrued interest applicable only to interest bearing accounts.

FDIC RESCOURCES

If you need assistance in styling your accounts so they are fully insured or want to learn more about FDIC coverage, please visit your nearest FNB branch location or call FDIC toll free at 1-877-ASKFDIC (1-877-275-3342) or visit www.fdic.gov.

The following links are excellent resources to learn more about FDIC coverage.
 

• What Is the FDIC
• Electronic Deposit Insurance Estimator (EDIE)
• FDIC Deposit Insurance Coverage Increase Notification Letter
• FDIC Insurance Basics