Important Disclosure for the Temporary Liquidity Guarantee Program

Exchange National Bank is participating 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. Any Super Now accounts that are earning more than .50%
are not considered a non-interest-bearing transaction account.