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“These products are not FDIC-insured. These products are subject to investment risks, including possible loss of the principal amount invested.”
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Carroll Bank & Trust is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through
December 31, 2009, 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. Sweep arrangements or any actions that result in funds being transferred or reclassified to an account that is not guaranteed under the transaction account guarantee program (for example, an
interest-bearing account), will void the FDIC's guarantee.

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