Frederick County Bank continues a solid Four Star rating from Bankrate.com as of December 31, 2009, and the top Five Star rating from Bauer Financial, Inc as of March 31, 2010. Frederick County Bank has elected to continue participating in the FDIC's temporary Transaction Account Guarantee Program. Under that program, now extended through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount of the account. Unlimited insurance coverage also includes low-interest NOW accounts (earning 0.5% interest or less). 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.