Additional FDIC Insurance Coverage through December 31, 2009

Community State Bank is please to announce it is participating in the FDIC Transaction Account Guarantee Program, a part of the Temporary Liquidity Guarantee Program.

• Funds held in NOW Accounts, which are interest bearing transaction accounts earning 0.50% or less, and Interest on Lawyer’s Trust Account (IOLTA) / Interest on Trust Account (IOTA) accounts are also insured in full by the FDIC through December 31, 2009.

• Funds held in non-interest bearing transaction accounts are insured in full by the FDIC through December 31, 2009.

• For sweep accounts, the FDIC Transaction Account guarantee does not apply to the funds that are swept into an interest bearing or non-transaction account.  At the end of the business day, the funds will be insured based on the type of account the funds are in after the sweep has taken place.

 Also, on October 3, 2008, the FDIC increased insurance through December 31, 2009, for funds held in interest bearing accounts from $100,000 to $250,000 per depositor per category of legal ownership.