NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

TELEPHONE BANKING

Telephone Banking will be discontinued on April 4, 2012.  The number of customers that use this service has steadily declined due to the popularity of our Retail Internet Banking service.  We encourage you to use our Retail Internet Banking service by enrolling at www.hoyne.com.  Once enrolled, you will be able to check account balances, review transactions, and make transfers.  Thank you for your confidence in choosing Hoyne Savings Bank for your financial needs.  Please feel free to contact us with any questions you have regarding the discontinuation of this service.