Depositors Insurance

    Every dollar deposited in this bank is fully insured by both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the DIF. No depositor has ever lost a penny in a bank insured by both FDIC and DIF.

    NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

    By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

    However, because Monson Savings Bank is a member of the Depositors Insurance Fund (DIF), all deposits above the FDIC limit are insured in full. Accordingly, all noninterest-bearing transaction account deposits that are no longer insured by the FDIC will be insured in full by the DIF effective January 1, 2013.

    For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

    For more information about DIF, visit www.difxs.com.