Customer Notice: Important Disclosures Regarding the FDIC Guarantee Program.
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FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. Each issue offers helpful hints, quick tips, and common-sense strategies to protect and stretch your hard-earned dollars.

We have chosen to highlight several articles, but a large library of FDIC articles are available at the FDIC's Consumer Website.

Key Articles of Interest

• FDIC Consumer News Summer 2009 (PDF)*
• FDIC Consumer News Spring 2009 (PDF)*
• FDIC Transaction Account Guarantee Program Extension (PDF)*

*PDF format, Requires Acrobat Reader

FDIC’s TRANSACTION ACCOUNT GUARANTEE PROGRAM

First CornerStone Bank is participating in the FDIC’s Transaction Account Guarantee Program. Through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. 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.

First CornerStone Bank accounts defined as non-interest bearing transaction accounts include our Personal Checking, Economy Checking, Business Checking and Choice Business Checking account.

For customers with First CornerStone Bank sweep accounts, funds swept overnight into interest-bearing accounts are not eligible for this additional coverage. For questions or more information, please contact a First CornerStone Bank branch representative or visit www.fdic.gov.

FDIC EXTENDS $250,000 DEPOSIT LIMIT

The Federal Deposit Insurance Corporation (FDIC) has extended the $250,000 insurance limit on deposit accounts through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs, which will remain at $250,000 per depositor. Additional details are available at the FDIC’s website: http://www.fdic.gov/deposit/deposits/DIfactsheet.html

For additional information please contact a First CornerStone Bank branch representative.