Important Disclosures Regarding the Guarantee Program

Unico Bank is participating in the FDIC Transaction Account Guarantee Program. Under that program, through 12-31-10 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 general deposit insurance rules. Our NOW account products do not meet the definition of a noninterest-bearing transaction account, and are not eligible for this guarantee.