FDIC Temporary coverage

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 (IOLTA)) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Effective 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 ($250,000.00), for each deposit insurance ownership category.

All deposits in Reading Co-operative Bank above the FDIC limits are insured in full by the Share Insurance Fund (SIF), administered by the Co-operative Central Bank. Accordingly, all noninterest-bearing transaction account deposits that are no longer insured by the FDIC will be insured in full by the SIF effective January 1, 2013.

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