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FDIC Disclosure
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.

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

Important Information About Procedures for Opening New Accounts

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Click links below to view / download account disclosures:
Your Ability to Withdraw Funds
Truth in Savings Disclosure
Electronic Funds Transfer Disclosure


Click links below to view / download electronic banking product agreements and disclosures:

Mobile Banking Agreement and Disclosure

Online Banking Agreement and Disclosure

Online Bill Pay Agreement and Disclosure

Remote Deposit Capture Agreement and Disclosure

Refund/Exchange/Cancellation/Warrant Policy

ESIGN Disclosure