Services & Accounts

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

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

Checking Accounts

Free Checking Account, Now Account, Money Market Deposit, BanClub Checking

Savings & Time Certificates

Savings Accounts, Christmas Club Accounts, Certificate of Deposit, Individual Retirement Accounts

Loans

Farm Loans, Business Loans, Consumer Loans, Residential Loans

Other Services

SHAZAM© Check Card, Overdraft Transfer Protection, Direct Deposit, Night Deposit, Automatic Teller Machines