** IMPORTANT NOTICES **

TRANSACTION ACCOUNT GUARANTEE PROGRAM: Rural American Bank-Luck is participating in the FDIC's Transaction Account Guarantee Program. Under this program, through December 31, 2009, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

NOTE: Interest-bearing-transaction accounts (NOW Accounts) with a rate of .50% and less are also fully guaranteed.

Special Alert: Neither Rural American Bank-Luck nor the FDIC will ever email you and ask you for your Social Security number, account numbers, PIN numbers, etc. Do not click on any hyperlinks within this type of email or provide any personal financial information via this method of communication. Always contact the bank if you receive a suspicious email.

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