Memo from Scott:

"Looking for a way to simplify your life? Experience the convenience of internet banking at the First National Bank of Beardstown. You'll have access to your account information 24/7 whenever it's convenient for you! Check your account balance, transfer funds, view transaction and make loan payments with the click of a mouse. It's that simple! See a customer service representative today and sign up for internet banking at the First National Bank of Beardstown. Member FDIC and an equal housing lender."

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 transaction 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 ("IOLTAs"). For more information about temporary FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov.