NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest 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 non-interest 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 non-interest bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

Attention Business Account Holders

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person/business accepts credit, funds transfers, checks or other instruments or proceeds from another person/business in connection with unlawful Internet gambling. As a customer of Freedom Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If any part of your business engages in Internet gambling, we will ask that you provide evidence of your legal capacity to do so.

Lost your debit card or think it might be comprimised?

If you cannot find your Freedom Bank debit card or think that your debit card information may be comprimised immediately contact Freedom Bank at (406) 892-1776 during our normal business hours to speak to a service representative. If you need to report your card outside of business hours please call (800) 472-3272 to have your card disabled and ensure that no unauthorized transactions take place. Failure to report your card lost or stolen in timely manner can result in a loss of funds.

Wondering how much of your money is covered by the FDIC?

Many poeple today find themselves wondering just how much of their money is covered by the FDIC. The FDIC recently rolled out their Electronic Deposit Insurance Estimator (EDIE), you can find this useful tool at www.fdic.gov/edie/index.html. If you discover that your assets are not fully covered or you would like to more effeciently organize your assets please give Freedom Bank a call at (406)892-1776 and one of our personal bankers will be happy to assist you in your financial planning.

Protect yourself from identity theft

Identity and data theft is a growing cause for concern for the Flathead Valley. For information on how you can protect yourself we reccomend that you visit the FDIC website dedicated to educating consumers on how to keep yourself from becoming a victim.