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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 account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts and Interest on Lawyers Trust Accounts (IOLTA).

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

This notice is required by Federal Law

	Sunday, February 05, 2012
Serving Delta County We are a community owned and operated bank serving Delta County in Michigan's beautiful Upper Peninsula. Our fundamental purpose is to meet the financial needs of the people in Delta County, protect and increase the value of our shareholders investments, and serve Delta County in financial and non-financial ways.		Baynet Login Baynet is an online bill payment solution that supports one-time, recurring, and expedited electronic payments to any individual or any entity in the United States.