TRANSACTION ACCOUNT GUARANTEE PROGRAM

Bank of Madison / Bank of Social Circle, a division of Bank of Madison, is participating in the FDIC’s Transaction Account Guarantee Program. Under this 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.