Adams State Bank
649 Main St. PO Box 106 Adams, NE 68301
Phone: 402.988.2255 Fax: 402.988.2265
E-mail: adamsstatebank@diodecom.net

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE OFR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the FDIC 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 does not include other accounts, such as traditional checking or demand accounts that may earn interest, NOW Accounts, money-market deposit accounts and interest on Lawyers Trust Accounts (IOLTAs") For more information about temporary FDIC insurance covereage accounts, visit www.fdic.gov

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Adams State Bank 649 Main St. PO Box 106 Adams, NE 68301 Phone: 402.988.2255 Fax: 402.988.2265 adamsstatebank@diodecom.net