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 Lawyer 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.

Your Deposits Are Safe

Peace of mind comes with knowing that every deposit account at the Newburyport Five Cents Savings Bank is insured in full. The Newburyport Bank is a member of both the Federal Deposit Insurance Corporation FDIC and the Depositors Insurance Fund DIF. This coverage provides full insurance for your deposits without limit or exception. The FDIC insures all deposits up to $250,000 per depositor. You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories. All deposit amounts above the FDIC limits are insured in full by the Depositors Insurance Fund.