Crockett National Bank is participating in the
FDIC's Transaction Account Guarantee Program.

Under that program, through June 30, 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.

All interest-bearing deposit accounts are insured up to at least $250,000 per depositor until December 31, 2013.

On January 1, 2014, FDIC deposit insurance for all deposit accounts - except for certain retirement accounts - will return to at least $100,000 per depositor.