Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

Durand State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program all funds in a "non-interest 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 "non-interest 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.

E-Statements

This new service is now available at no charge for any accounts that are tied to Internet Banking enrollment. We will send you a notice by e-mail that your statements are available at the Internet Banking site. You are able to see your statements, as well as the fronts and backs of imaged items. There is also a tab showing the newsletter and other information.