FDIC Transaction Account Guarantee Program

AJ Smith Federal Savings Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under this program, through June 30, 2010, all non-interest-bearing transaction accounts and NOW accounts with an interest rate of 0.5% or less are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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New Deposit Insurance Limits

On October 3, 2008 Congress Temporarily

Increased FDIC Deposit Insurance

from $100.000 to $250,000 per Depositor

through December 31, 2013