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How Your Deposits Are Insured

At Middlesex Savings Bank, your deposits are insured in full.

All deposits at Middlesex Savings Bank are insured in full through a combination of insurance provided by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF).

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. Additionally, depending on your accounts and their ownership status, the FDIC may provide additional insurance. Find out today how your accounts are insured using the FDIC Electronic Deposit Insurance Estimator, known as EDIE. To use this tool, visit www.fdic.gov/edie/.

Middlesex Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts, Interest on Lawyers Trust Accounts (IOLTAs) and Negotial Order of Withdrawal accounts (NOW accounts) are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

All deposits in excess of FDIC insured amounts are insured by the DIF, without limit or exception. The DIF is a private, industry-sponsored insurance company, not affiliated with the Commonwealth of Massachusetts, the Federal Government or their agencies. For additonal information on the DIF, visit www.difxs.com.



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