Chelsea Groton Bank is participating in the FDIC's Transaction Account
Guarantee Program. Under that program, through December 31, 2010, 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 rules.
*Non-interest bearing transaction accounts are defined as those accounts with
an interest rate of 0.25 percent or less.