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Susquehanna Bank & FDIC Insurance

Susquehanna Bank is FDIC-insured.

Susquehanna Bank is a member of the Federal Deposit Insurance Corp. (FDIC), an independent agency of the United States government that protects the funds depositors place in FDIC-insured institutions. FDIC deposit insurance is backed by the full faith and credit of the U.S. government. The FDIC emphasizes that since it was established in 1933, no depositor has ever lost a single penny of FDIC-insured funds.

Your deposits at Susquehanna Bank are insured up to the following FDIC coverage limits, which were made permanent on July 22, 2010.

Account Type	FDIC Limit
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
Revocable Trust Accounts	$250,000 per owner per beneficiary up to 5 beneficiaries (more coverage is available with 6 or more beneficiaries subject to specific limitations and requirements)
Corporation, Partnership and Unincorporated Association Accounts	$250,000 per corporation, partnership or unincorporated association
Irrevocable Trust Accounts	$250,000 for the non-contingent, ascertainable interest of each beneficiary
Employee Benefit Plan Accounts	$250,000 for the non-contingent, ascertainable interest of each participant
Government Accounts	$250,000 per official custodian

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 http://www.fdic.gov/

FDIC Insurance Coverage for Transaction Accounts with Sweep Arrangements

If you have a sweep arrangement that transfers funds from a noninterest-bearing transaction account into an interest-earning account, please remember that the interest-earning account is not insured in full. Instead, funds in the interest-earning account will continue to be insured under the FDIC’s basic coverage limit of $250,000 per owner. The amount of deposit insurance coverage available under this form of sweep will be determined by the account in which the funds are held at the end of the business day.

For More Information ...If you have questions about FDIC coverage, please contact your local branch or call our Customer Service Center at 800.311.3182. The FDIC offers an online tool to calculate the insurance coverage on your accounts at www.myFDICinsurance.gov, and you can also contact the FDIC at 1.877.ASK.FDIC.