FDIC Insurance

FDIC's Transaction Account Guarantee Program

State Bank of Countryside is participating in the FDIC's Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. State Bank of Countryside's regular NOW accounts are also covered under this program. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

State Bank of Countryside's Best Ever Checking accounts are not covered under this additional insurance program, but are still insured under the FDIC Standard Maximum Deposit Insurance Coverage.

FDIC Deposit Insurance Coverage Increase

On October 3, 2008, FDIC Standard Maximum Deposit Insurance Amount (SMDIA) temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Retirement accounts, which are already insured for up to $250,000, will remain at that level. You can be insured up to $55 million with State Bank of Countryside's Certificate of Deposit Account Registry Service (CDARS®) program. Click here for more details about our CDARS program. For additional information about the FDIC, visit www.fdic.gov or call toll-free at 1-877-ASK-FDIC (1-877-275-3342).

State Bank of Countryside is a member of the FDIC. Each of our depositors is insured to $250,000. In some cases, there may be ways to increase your FDIC insurance coverage over the $250,000 limitation.

In addition, federal law provides for insurance coverage of up to $250,000 for "self-directed" retirement accounts. A self-directed retirement account is a retirement account for which the owner, not a plan administrator, has the right to direct how the funds are invested, including the ability to direct that the funds be deposited at a specific FDIC-insured bank. Types of self-directed retirement accounts include traditional and ROTH Individual Retirement Accounts (IRAs), Simplified Employee Pension accounts, "Section 457" deferred compensation plan accounts, self-directed Keogh plan accounts and self-directed defined contribution plan accounts.

For additional information about the FDIC, visit www.fdic.gov or call toll-free at 1-877-ASK-FDIC (1-877-275-3342).

For additional information about FDIC insurance coverage, please see one of our Financial Counselors, or click on this direct link to the FDIC: www.fdic.gov/deposit/index.html