FDIC's Transaction Account Guarantee Program Brazos Valley Bank has elected to participate in the FDIC's Transaction Account Guarantee Program. What this means for you: Balances in your eligible checking account exceeding the existing deposit insurance limit of $250,000 will qualify for 100% FDIC insurance coverage through December 31, 2009. 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. Eligible Accounts Accounts eligible for the guarantee include those earning no interest and requiring no advance notice of intended withdrawals. Eligible accounts include traditional checking accounts and funds swept or transferred to another type of noninterest-bearing deposit account (i.e. noninterest-bearing savings account); NOW accounts paying less than 0.50 percent interest; and, Interest on Lawyers Trust Accounts (IOLTAs). Also covered are NOW accounts paying interest above 0.50 percent as of November 21, 2008 if the rate is reduced to 0.50 percent or lower before January 1, 2009 and this lower rate is maintained through December 31, 2009. There is no interest rate limitation on IOLTAs. Money market deposit accounts are excluded from the Program. Funds automatically transferred to a non-deposit account or other account not eligible for this Program will void the FDIC's increased guarantee with respect to the transferred funds. Grow with a Sound Community Bank Committed to You! To strengthen confidence in Brazos Valley Bank and to reduce customer concern, Brazos Valley Bank elected at an early date to participate and support the Temporary Liquidity Guarantee Program of the FDIC. We feel the added cost to the Bank is supporting our goal of strengthening the banking system and our economy. Brazos Valley Bank is a local community bank that is committed to delivering the highest quality financial products and exemplary service to every customer, without unnecessary risk to the institution or its customers. Brazos Valley Bank has not been affected by the mortgage crisis or any other financial crisis. We are and always have been common sense lenders focused on doing what is best for our customers and our community. It is business as usual at Brazos Valley Bank. We specialize in creating state-of-the-art and unique financial services to meet every customer's needs. We believe it’s not enough to serve a community – you have to be an integral contributor to the community’s growth and spirit. At Brazos Valley Bank, we have a history of community involvement. Since its founding in 2004, Brazos Valley Bank has been an active and enthusiastic supporter of the community we serve. From sponsoring events to raising money for charity; coordinating community celebrations to helping develop new homes and teaching kids the value of saving money, Brazos Valley Bank is committed to making the community we serve a better place to live, work and raise a family. Brazos Valley Bank promotes and invests in the well-being of our community and is dedicated to accommodating the growing demand for financial services within the market area. If you are looking for a local bank with specialized customer service that offers state-of-the-art financial services for every customer, then look no further….Brazos Valley Bank is strong, solid, secure and will continue to reinvest in the community that invests in us.