NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRASACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Without a change in law, beginning January 1, 2013, all of the depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about temporary FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov

The Unlawful Internet Gambling Act prohibits any person engaged in the business of betting or wagering (as defined by the Act) from knowing or willingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. Regulation GG defines unlawful internet gambling to mean “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such a bet or wager is unlawful under any applicable Federal or State law in the state or tribal lands in which the bet or wager was initiated, received or otherwise made. These restricted transactions are prohibited from being processed through your Grandview Bank account. Please contact us if you would like additional information regarding the Unlawful Internet Gambling Act or Regulation GG.