“Deposits in Checking and certificate of deposit accounts are insured up to $ 250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $ 100,000 per depositor for all account categories.

Bank has not been participating in the FDIC’s Transaction Account Guarantee Program. Thus the funds held in non interest-bearing transaction accounts (non interest bearing checking accounts) will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $ 250,000 under the FDIC’s general deposit insurance rules.”