NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

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 at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

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

Here are our two laws of economics: think locally, and act locally, too.  Shop and invest close to home.  We offer all of the services and financial convenience of the big corporate banks.  But, as a community bank, your money is reinvested locally.  You care about this community. We know where you are coming from.

Big corporate banks send your money out of state.  We’re a community bank.  We reinvest your deposits back into the local economy.  There’s less red tape.  Faster decision making.  That’s the community difference.  We’re banking on you.

At your community bank, we make loan decisions locally.  We don’t have to consult our out of town loan committee.  Faster answers on local loans, there is a difference.

Small business has always been our priority.  We can offer you the same banking services as the big, out of state banks.  But with our understanding of the local market, and our personal approach, you’ve got a financial resource you can call on.  An count on.  Twin City Bank… Taking Care of Business.

From our checking accounts to, our high yield CDs, to popcorn on Friday, there’s a diffrence in all we do.  From our competive loan rates to our retirement accounts, you can count on us for financial services with the accent on service.  Your money stays here in our neighborhood, helping the local economy.  That’s a difference we can all live with.