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FDIC’s Transaction Account Guarantee Program Notice

Heritage Bank is participating in the FDIC’s Transaction Guarantee Program. Under that program, through
December 31, 2009, all noninterest-bearing transaction accounts and NOW accounts with an interest rate of .50% or less 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.