Disclosures

• Online Banking Service Agreement
• Internet Bill Payment Service Agreement
• Electronic Fund Transfer Agreement and Disclosure
• USA Patriot Act
• E-Sign Disclosure and Agreement for Electronic Statements

FDIC Insurance

Notice to Customers

Effective July 21, 2010, your deposits at US Metro Bank are now permanently insured up to $250,000 per depositor for each account ownership category.

Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a non-interest bearing transaction account are insured in full by the FDIC from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to and separate from the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term non-interest bearing transaction account includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money market deposit accounts.

For more information about temporary insurance coverage of transaction accounts visit FDIC Deposit Insurance.

For an accurate estimate of FDIC insurance coverage for your accounts at US Metro Bank visit EDIE.