American Bank is participating in the FDIC’s Transaction Account Guarantee Program.  Under this program, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account through December 31, 2010.  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. Interest bearing transaction accounts are not guaranteed by the FDIC above normal insurance limits.