FDIC Liquidity Guarantee Program

Mid-Missouri Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, 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. NOW, Savings and Time deposit accounts are not included in this additional guarantee program; however, all accounts are covered for up to $250,000 available under the FDIC's general deposit insurance rules which is in affect through December 31, 2009.