Temporary Liquidity Guarantee Program

Integrity First 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.

The following interest bearing transaction accounts are not covered by the FDIC’s Transaction Account Guarantee Program: Health Savings Accounts and Commercial Analysis Accounts with Interest. Customers of Integrity First Bank with these accounts will continue to be insured for up to $250,000 per depositor through December 31, 2013. On May 20, 2009, President Barack Obama signed the Helping Families Save Their Homes Act, which extended the temporary increase in standard maximum deposit insurance amount.