CERTIFICATE OF DEPOSIT DISCLOSURE STATEMENT 

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For the purposes of FDIC insurance coverage limits, all depository assets of the accountholder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000), for each applicable category of account.  FDIC insurance does not cover market losses. In some cases CDs may be purchased on the secondary market at a price that reflects a premium to their principle value.  This premium is ineligible for FDIC insurance.  For details on FDIC insurance limits, see www.fdic.gov

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