FDIC Transaction Account Gurantee: First Community Bank and Trust 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. First Community Bank and Trust's NOW Accounts, SuperNOW Accounts, First eRate Accounts and IOLTA Accounts are covered under the Temporary Account Guarantee Program.