Important FDIC Notice

Important Information on FDIC Deposit Insurance Coverage

Our bank is participating in a special FDIC program so all non-interest transaction deposit accounts at our bank, including all personal and business checking deposit accounts that do not earn interest, are insured in full by the FDIC for the entire amount in the deposit account. The FDIC program ends on December 31, 2013. So, this unlimited insurance coverage will remain in effect until December 31, 2013. After that date, the FDIC insurance coverage will return to the basic amount of at least $100,000 per depositor unless the FDIC takes additional steps before December 31, 2013.

All other deposit accounts are now insured up to at least $250,000 per depositor until December 31, 2013. On January 1, 2014, FDIC deposit insurance for all deposit accounts except certain retirement accounts, like IRAs, will return to at least $100,000 per depositor unless the law changes before that time.

Insurance coverage for certain retirement accounts, like IRAs, will remain at $250,000.

Please see a bank representative for additional information.

EFFECTIVE JANUARY 1, 2013

By Federal Law, on January 1, 2013, funds in a non-interest-bearing transaction account including interest on lawyer trust accounts will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000.00 for each ownership category.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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