Investors Community Bank - Increased FDIC Deposit Coverage Info

FDIC Transaction Account Guarantee Program

Important Disclosures About the FDIC's Transaction Account Guarantee Program and Information About FDIC Insurance
Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount is scheduled to return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

In addition, Investors Community Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. 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.

For the purpose of the FDIC’s Transaction Account Guarantee Program, the term “noninterest-bearing transaction account” (which qualifies to receive unlimited insurance coverage through December 31, 2009) is defined to include the following:

• Traditional demand deposit, or checking, accounts (including all personal and business checking accounts that do not earn interest);

• Negotiable Order of Withdrawal (NOW) accounts with interest rates no higher than 0.50%; and

• Interest on Lawyer Trust Accounts (also known as IOLTAs, IOTAs, or IOLAs, depending on state law).

For more information about recent regulatory changes affecting FDIC deposit insurance coverage, please visit http://www.fdic.gov/deposit/deposits/changes.html.

Please note: Funds held in existing CDs or new CDs with maturity dates that extend into 2014 or later are insured to least $250,000 through December 31, 2013, per depositor ownership rights and capacities. After December 31, 2013, the Standard Maximum Deposit Insurance Amount is scheduled to return to at least $100,000 per depositor.

About the FDIC
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. Since the FDIC was established, no depositor has ever lost a single penny of FDIC-insured funds.

More Information Is Readily Available to You
The FDIC has a number of tools and resources that you may find helpful to better understand FDIC insurance coverage and how it applies to funds held in different ownership rights and capacities. The FDIC also has an insurance “calculator” that you can use to determine how you may be able to maximize your coverage at an insured bank. Check out the FDIC links below:

› FDIC Insurance - Frequently Asked Questions
http://www.fdic.gov/deposit/deposits/insured/faq.html

› FDIC Insurance Calculator (“EDIE the Estimator”)
http://www.fdic.gov/edie/

› Your Insured Deposits (detailed guide)
http://www.fdic.gov/deposit/deposits/insured/index.html

› FDIC Consumer News
http://www.fdic.gov/consumers/consumer/news/

Notice: By clicking on any of the links above, you will be leaving the Investors Community Bank website. Investors Community Bank has no responsibility or control over the subject matter, content, information, or graphics of the web sites linked here. Please contact the bank with any concerns or comments.