Grand Bank of Texas is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2010, 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.

The following NOW accounts are not eligible for the Temporary Liquidity Guarantee Program:

1. Reward Checking Account
2. Prestige Checking Account
3. Golden Elite Checking Account