Bank of India, US Operations

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 atleast $250,000 available to depositors under the FDIC's general deposit insurance rules.

We do not pay interest in any Checking Accounts.

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 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

For the FDIC Electronic Deposit Insurance Estimator (EDIE) follow the link www.fdic.gov/edie/index.html