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FDIC
Farmers State Bank
401 Main Street
Lake View, IA 51450-0428
Ph: 712-657-8525

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 also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

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


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IMPORTANT NOTICE

Your Farmers State Bank MasterCard card has been pre-enrolled in MasterCard® SecureCode™ -- a complimentary, new online security service. The next time you shop online at a participating merchant, a window from SHAZAM will appear, asking you to confirm your identity and to set up your own private SecureCode™. If you prefer to set up your SecureCode before shopping online, just go to https://secure.shazam.net/securecode to use the self-enrollment site. By using your SecureCode each time you shop online at participating merchants, you'll be better protected against unauthorized use of your card. Now that's more peace of mind when you're online.

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