How FDIC Coverage Works

American Bank and Trust Company, N.A., is a member of the FDIC. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category:

• Single Accounts (owned by one person) $250,000 per owner
• Joint Accounts (two or more persons) $250,000 per co-owner
• IRAs and certain other retirement accounts $250,000 per owner
• Trust Accounts $250,000 per owner per beneficiary subject to specific limitations and requirements
• Employee Benefit Plan Accounts $250,000 for the non-contingent, ascertainable interest of each participant
• Government Accounts $250,000 per official custodian
• Corporation, Partnership and Unincorporated Association Accounts $250,000 per corporation, partnership or unincorporated association
• Employee Benefit Plan Accounts $250,000 for the non-contingent, ascertainable interest of each participant

Additional information about FDIC insurance coverage for customers is available by visiting the FDIC official web site www.fdic.gov or by contacting a Branch Manager or a Personal Banker at our nearest office serving you.