NOTICE OF CHANGES IN TEMPORARY FDIC INSURACECOVERAGE 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 www.fdic.gov.

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April 3, 2012-Debit Card Alert

As reported in the news on March 30, 2012, Mastercard and Visa have formally announced that a major third-party card processor's system has been breached. First National Bank of Decatur County remains committed to protecting our customers until this situation is resolved.

We are temporarily blocking signature-based debit card transactions to merchants in the following states based on high levels of fraudulent activity at this time: California, Connecticut, Delaware, Maryland, Massachusetts, Michigan, Nevada, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Texas, Vermont, and West Virginia.

If you are traveling in these areas you may use your debit card for pin-based transactions. If you currently have a repetitive payment on your debit card that is processed in a blocked state (listed above), please consider using our free bill pay, draft from your checking account, or other form of payment such as a credit card. Paypal users can also credit their paypal account by drafting money from their checking account.

Please contact us if you have any questions at 229-246-3131. We apologize for any inconvenience.

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