Bank of Monticello

P.O. Box 38
Monticello, MO 63457-0038
573-767-5264
Fax 573-767-5490
Toll Free 1-800-385-3897

P.O. Box 250
Canton, MO 63435-0250
573-288-5290
Fax 573-288-5298
Toll Free 1-800-254-5290

Member FDIC Equal Housing Lender

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Transaction Account Guarantee Program

BANK OF MONTICELLO

DISCLOSURE

TRANSACTION ACCOUNT GUARANTEE PROGRAM

Bank of Monticello is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2012, all non-interest 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.

Types of Bank of Monticello accounts covered by the Transaction Account Guarantee Program include all regular non-interest bearing demand deposit accounts and IOLTA accounts.

Types of Bank of Monticello accounts NOT covered by the Transaction Account Guarantee Program include the Tiered Super NOW accounts, Passbook Savings Accounts, the Tiered Money Market Accounts, all Certificate of Deposit Accounts, IRA Accounts, Now Accounts, and all Club Accounts. These accounts are insured for up to $250,000.00 under the FDIC general deposit insurance rules.