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FDIC Transaction Account Guaranty Program: Village Bank is participating in the FDIC Transaction Account Guarantee Program.  Under that program, through December 31, 2009, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Guarantee Program is in addition to and separate from the coverage available under the FDIC general deposit insurance rules.

*APY = Annual Percentage Yield All Rates Subject to Change Without Notice.There may be a penalty for early withdrawal