Oxford Bank & Trust 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. (NOW accounts are excluded from this unlimited coverage.)  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.

On May 20, 2009, FDIC deposit insurance coverage was temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.  For further information on deposit insurance coverage, please visit the FDIC's website at http://www.fdic.gov/deposit/deposits.