| Last October, to help reassure depositors about the safety of their money during the economic crisis, Congress temporarily increased the basic limit on federal insurance coverage from $100,000 to $250,000 per depositor through December 31, 2009. In May, there was some important news we want to be sure you heard. Congress extended the temporary $250,000 coverage through December 31, 2013. That means that if you, your family, or your business have $250,000 or less in all of your deposit accounts at the same insured bank, you donÕt need to worry about your insurance coverage Ð your deposits are fully insured through at least 2013. And, as always, you may qualify for more than the basic insurance coverage at one insured bank because the FDIC provides separate insurance coverage for deposits held in different Òownership categoriesÓ such as single accounts and joint accounts. Under current law, certain retirement accounts including Individual Retirement Account (ÒIRAÓ) deposits will continue being protected up to $250,000 even after 2013 because that is the permanent coverage limit previously set by Congress for these accounts in 2006. What is a single account as defined by the FDIC? It is a deposit account owned by one person and titled in that one personÕs name only and with no beneficiaries. And a joint account is a deposit account owned by two or more people and titled jointly in those peopleÕs names only without beneficiaries. What are Òcertain retirement accountsÓ? These include traditional IRAs, Roth IRAs, Simplified Employee Pension (ÒSEPÓ) IRAs, and Savings Incentive Match Plans for Employees (ÒSIMPLEÓ) IRAs. Also included in this category are Section 457 deferred compensation plan accounts, and self-directed defined contribution and Keogh plan accounts. For more information about your FDIC insurance coverage, start at www.myfdicinsurance.gov or call toll-free 1-877-ASK-FDIC (1-877-275-3342). We also recommend ÒEdie the EstimatorÓ (www.fdic.gov/edie), the FDICÕs online tool to help you ensure your deposits are insured to the maximum available to you. You can also ask your bank Ð call one of our First Community Bank branches for assistance. 
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Stefanie Nelson