Notice of Expiration of the Temporary Full FDIC Insurance
Coverage for NonInterest-Bearing Transaction Accounts

Beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the 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 http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

Financial Strength Matters. When it comes to your bank, it really matters!

Rest assured, your deposits are safe at Stearns Bank!  Stearns is one of the top performing banks in the U.S. To view your bank's rating go to www.bauerfinancial.com or www.bankrate.com.

The bank has maintained our small town community roots over the years, but at the same time we now have a national presence with the financial strength to protect our customer's deposits.

There is a comfort to know that your bank is financially sound. Stearns Bank has a capital ratio in excess of 16% which is superior to our peer group of banks! As said this really matters today! We suggest you investigate your bank's strength.