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No Hoops Mortgage

Ag Lending Team Specialists

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE
COVERAGE FOR NONINTEREST-BEARING TRANSACTION 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).  Beginning January 1, 2013, all of a 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 FDIC insurance coverage of noninterest-
bearing transaction accounts, visit www.fdic.gov