In times like these, we should all be reminded just how valuable the relationship between the Federal Deposit Insurance Corporation (FDIC) and High Trust Bank really is. We are confident in our company's continued success because High Trust Bank has the full resources and backing of a holding company with more than $206 million in assets and a 101 year history of financial strength.

What does "FDIC-insured" mean?     High Trust Bank is an FDIC-insured financial instituition which means that we have met high standards in financial strength and stability. If, however, and insured bank fails, FDIC insurance will cover deposits, dollar for dollar, up to the insurance limit.

How much money is insured?     Now through December 31, 2009, the basic coverage amount is $250,000 per depositor, per insured bank.

Transaction Account Guarantee Program:    As a result of the global financial crisis, the FDIC adopted a voluntary temporary program that provides measures for banking institutions to provide full coverage on non-interest bearing accounts. High Trust Bank has chosen not to participate in this Transaction Account Guarantee Program. High Trust Bank customers with non-interest bearing transaction accounts will continue to be insured through December 31, 2009 for up to $250,000 under the FDIC's general deposit rules.

To learn more on FDIC insurance coverage, visit the FDIC's website at www.fdic.gov