Disclaimer

First Security Bank's web site is provided to you free of charge, "as is." First Security Bank uses its best efforts to maintain its web site, but is not responsible for the results of any defects that may be found to exist, and/or for any lost profits or other consequential damages that may result from such defects. You should not assume that the web site is error-free or that it will be suitable for the particular purpose that you have in mind when using it.

First Security Bank's web site technology automatically produces search results that reference sites and information located worldwide throughout the Internet. Because First Security Bank has no control over such sites and information, First Security Bank makes no guarantees over such sites and information, including but not limited to: (i) the accuracy, currency, content, or quality of any such sites or information, or (ii) whether any search may locate unintended and objectionable content.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS.

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.