FDIC Insurance

Standard Maximum Deposit Insurance Amount

Deposits in checking accounts, savings accounts, money market savings accounts and Certificates of Deposit (CODs) are insured under the Standard Maximum Deposit Insurance Amount ("SMDIA") up to $250,000 per depositor, per insured depository institution, for each account ownership category under the FDIC's general deposit insurance rules. Deposits in individual retirement accounts (IRAs) are separately insured up to $250,000 per owner.

The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. (For details on the requirements, go towww.fdic.gov/deposit/deposits.) Coverage is automatic, up to the insurance limits described above, whenever a deposit account is opened at Colony Bank.

For questions about FDIC coverage limits and requirements, visit www.fdic.gov/deposit/deposits/, call toll-free 1-877-ASK-FDIC, or contact your local Colony Bank office.