CERTIFICATE OF DEPOSIT DISCLOSURE STATEMENT 

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