UNLIMITED FDIC COVERAGE NOW AVAILABLE!

A deposit in an FDIC-insured bank is one of the safest ways to protect your money.

NSB Bank 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. In addition to non-interest bearing accounts, the program will also cover NOW accounts as long as the interest paid on the entire account balance is equal to or below 50 basis points by December 31 (and remains below 50 basis points during the coverage period).

This new program is in addition to the changes that were recently enacted and described below:

On October 3, 2008, President George W. Bush signed the Emergency Economic Stabilization Act of 2008, which temporarily raises the basic limit on federal deposit insurance coverage from $100,000 to $250,000 per depositor through December 31, 2009.

All deposits at NSB Bank are FULLY insured up to the new FDIC limits.

FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). FDIC insurance does not, however, cover other financial products and services that insured banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities. Please contact your NSB representative to discuss your FDIC coverage.