Volunteer Federal Savings Bank


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 deposit insurance coverage, visit fdic.gov

NOTICE TO ALL CUSTOMERS OF VOLUNTEER FEDERAL SAVINGS BANK

In accordance with Federal Deposit Insurance Corporation Law, Regulations, Related Acts Part 350 - Disclosure of Financial and Other Information by FDIC-Insured State Nonmember Banks, Volunteer Federal Savings Bank will prepare and make available an annual disclosure statement. Requests for the disclosure statement can be directed to 108 Main Street, Madisonville, Tennessee 37354, or by telephoning (423) 442-4545. This annual disclosure statement has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.


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