FDIC Coverage Increases to $250,000 through
December 31, 2013

Bank of the Orient remains strong in turbulent times, thanks to more than 37 years of conservative independent management.

We know that being protected by Federal Deposit Insurance Corporation (FDIC) is an important benefit for Bank of the Orient customers.

Basic insurance coverage has now temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. You may even qualify for additional coverage if you own deposit accounts in different ownership categories.

Bank of the Orient is participating in the FDIC Temporary Liquidity Guarantee Program
Through June 30, 2010 all non-interest bearing transaction accounts are fully guaranteed by the FDIC, regardless of dollar amount. Coverage under the Temporary Liquidity Guarantee Program is in addition to and separate from the coverage under the FDIC’s general deposit insurance rules.

Effective January 1, 2014
Basic FDIC Insurance limit will return to $100,000 – except for deposits in IRAs and certain other retirement accounts, which will remain at $250,000.

The separate unlimited FDIC guarantee on non-interest bearing transaction accounts will be eliminated.

If you have questions about specific FDIC coverage limits and requirements, please visit www.myFDICinsurance.gov^†, call toll free 1.877.ASK.FDIC (1.877.275.3342), or drop by your local Bank of the Orient branch.

^†When you click this link, you will be leaving www.bankorient.com website. Bank of the Orient is not responsible for the quality, security, delivery or timeliness of goods or services of outside websites.

Temporary Increase in FDIC Coverage

Basic FDIC Deposit Insurance Coverage Limits*

Single Accounts
(owned by one person)
$250,000 per owner
Joint Accounts
(two or more persons)
$250,000 per co-owner
IRAs and certain other retirement accounts
$250,000 per owner
Trust Accounts
$250,000 per owner
per beneficiary subject to specific limitations and requirements

* Coverage limits refer to the total of all deposits that an account
holder(s) has at each FDIC - insured bank. The above listing shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.