All deposits are insured in full by FDIC and DIF.

IMPORTANT INFORMATION ABOUT YOUR INSURED DEPOSITS
The Institution for Savings is participating in the FDIC’s Transaction Account Guarantee Program. Under that Program, through December 31, 2009, 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.