FDIC INSURANCE COVERAGE

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.

Community Bank of Marshall has also chosen to participate in the FDIC's Temporary Liquidity Guarantee Program.

This Program, under the Transaction Account Program, provides full deposit insurance coverage for all funds in non-interest bearing accounts held by FDIC-insured banks until December 31, 2010. This unlimited insurance coverage is temporary and will remain in effect for participating institutions until December 31, 2010. As an example, personal and business checking accounts that do not earn interest are fully insuredfor the entire amount in the deposit account

However, Community Bank of Marshall's interest checking accounts do not qualify and are not eligible for the full deposit insurance coverage for all funds.