FDIC Transaction Account Guarantee Program

Camden National Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Under the Transaction Account Guarantee Program, non-interest bearing transaction accounts include Interest on Lawyers Trust Accounts ("IOLTAs") and Negotiable Order of Withdrawal ("NOW") accounts with low interest rates (0.5 percent 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.