1st Centennial Bank to Offer up to $30 Million in Federal Deposit Insurance Coverage.

REDLANDS, Calif. -- Effective immediately, customers can access up to $30 million in Federal Deposit Insurance at 1st Centennial Bank (OTCBB:FCEN).

With the Certificate of Deposit Account Registry Service, or CDARS, banks can, in effect, provide a customer with the opportunity for a risk-free investment.

"With the safety and convenience that our bank offers through CDARS, our customers have a new, smart option to help them manage their money," says 1st Centennial Bank President, Tom Vessey. "There are few guarantees in life, FDIC Insurance is one of them."

In 1980, Congress set FDIC coverage limits at $100,000 per account. Inflation over the past 27 years has eroded more than half the value of that coverage. Now, bankers using CDARS can offer customers much more.

"Who needs it? Not just the wealthy. Retirees, small business owners, nonprofit organization managers - anyone who wants security," Mr. Vessey added.

How does CDARS work? Through a sophisticated computer network, 1st Centennial Bank places customer deposits with other FDIC-insured banks, allowing customers to manage all their funds through one portfolio at 1st Centennial Bank. "Customers benefit from the ease of working with only one institution-1st Centennial Bank-and receiving only one statement," Mr. Vessey said.

1st Centennial Bank has been serving the Redlands area for more than 17 years. We continually strive to bring our community innovative banking solutions.

For more information, visit www.1stcent.com or contact John Gutierrez, Senior Vice President and Controller, at [e-mail].