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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) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning 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), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html


MasterCard SecureCode

No matter what you're looking for online, Farmers State Bank of Darwin is looking out for you!

Whether you're shopping for an exciting vacation or a vacuum cleaner, now you can enjoy added security with MasterCard SecureCode, a service to enhance your existing Farmers State Bank Shazam MasterCard account.

With your own private code, you'll be protected against unauthorized use of your card at participating merchants. While shopping at a participating online merchant, you'll be asked to choose your own private SecureCode before completing your transactions. Or, to create your own SecureCode now*, follow the simple steps at https://secure.shazam.net/securecode. Once you have created your own SecureCode, you can then use it for future purchases at participating online merchants.

* Feature is only available for customers that have been issued a Farmers State Bank of Darwin Shazam Debit Card. For information regarding the issuance of a debit card, please contact the bank for an applicaion.