Rates

a) A penalty may be imposed for early withdrawal.

b) The interest rate and annal percentage yield may change after account opening.

c) Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account. Interest rates and annual percentage yields are current as of August 31, 2010. For current rate information please call The Bank of Fincastle at (540) 473-2761. For customers in the Bedford area, please contact The Bank of Fincastle's Bedford location at (540) 587-6544.

FDIC Insurance Notice

FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Additionally, The Bank of Fincastle is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non interest-bearing transaction 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.