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 a traditional
checking account or demand deposit account on which the insured
depository institution pays no interest. It also includes Interest on
Lawyers Trust Accounts ("IOLTAs"). It does not include other
accounts, such as traditional checking or demand deposit accounts
that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of
transaction accounts, visit www.fdic.gov
FDIC INSURANCE COVERAGE
On July 21, 2010, the FDIC Standard Maximum Deposit Insurance amount of
$250,000.00 was made permanent. The FDIC Insurance
coverage limit of $250,000.00 applies per depositor, per insured
depository institution, for each account ownership category.
FDIC Aggregate Insurance Coverage
All deposits are FDIC insured and any deposits with Huntington State Bank or LoweryBank, a division of Huntington State Bank, Bank of Tyler, a division of Huntington State Bank, or Community Bank of Warren, a division of Huntington State Bank are insured as one bank in aggregate.