FDIC Insurance Update – 8/27/09

FDIC general deposit insurance has been temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Deposits at all 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 will 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, on August 26, 2009, the FDIC extended the Transaction Account Guarantee Program through June 30, 2010. Fidelity Bank is participating in the FDIC's Transaction Account Guarantee Program. The Transaction Account Guarantee Program provides unlimited coverage for eligible non-interest bearing accounts through June 30, 2010. Under this program, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account through June 30, 2010. 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. Remember, the unlimited coverage under the Transaction Account Guarantee Program remains in effect for depositors only through June 30, 2010. .

Please contact your local branch with any questions or visit the FDIC web site at http://www.fdic.gov.