Gold Country Bank

FDIC Insurance

Gold Country Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing deposit transaction (i.e. checking) accounts, including Lawyers Trust Accounts (IOLTAs), and NOW Accounts paying less than 0.25% interest 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.

The standard insurance amount currently is $250,000 per depositor. The $250,000 limit is permanent for IRAs and other certain retirement accounts. The $250,000 limit is temporary for all other 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 and other certain retirement accounts, which will remain at $250,000 per depositor.

For more information in regards to FDIC insurance and how your money is protected, please visit the FDIC website at www.fdic.gov.