FDIC INSURANCE INFORMATION

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 Lawyers 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.

FDIC Deposit Insurance Coverage
The Federal Deposit Insurance Corporation (FDIC) is an independent government agency that protects depositors against the loss of their insured deposits if an FDIC-insured bank fails. Since the FDIC was founded in 1933, no depositor has ever lost a penny of insured deposits. FDIC insurance is backed by the full faith and credit of the United States government to at least $250,000. Insured deposits include:

• Checking accounts, including money market deposit accounts
• Savings accounts
• Certificates of Deposit (CDs)
• Certain retirement accounts

Certain accounts are not covered by FDIC insurance. These include investments in mutual funds (stock, bond or money market mutual funds) whether purchased from a bank, brokerage or dealer; annuities; stocks, bond, Treasury securities or other investment products; and the contents of a safe deposit box.

Golden State Bank is an FDIC-member bank. Coverage for your insured deposit accounts is automatic and can be increased beyond $250,000 through a combination of accounts. You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator at www.myFDICinsurance.gov. For more information on Federal Deposit Insurance, visit www.fdic.gov/deposit/index.html or call toll-free 1.877.275.3342 (hearing impaired line 1.800.925.4618).