Waterford Bank, N.A. has elected to participate in the FDIC's Transaction Account Guarantee Program.
Under that program, through December 31, 2009, 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.
Waterford Bank, N.A. has elected to participate in the FDIC's Transaction Account Guarantee Program.
Under that program, through December 31, 2009, 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.
