FDIC

Fulton Bank, N.A. is a Member of the FDIC. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the federal government that insures depositors' accounts.

Here are some things you should know about the safety and soundness of Fulton Bank:

• We are regularly and thoroughly examined by state and/or federal regulators who focus on institutional performance, soundness, risk management and capital adequacy. Fulton Bank meets the regulators' definition of being "well-capitalized".
• Deposits are insured by the FDIC for up to $250,000 per depositor, for each account ownership category. Additionally, IRAs are separately insured for an additional $250,000 per depositor.
• We believe that Fulton Bank has been conservatively managed. Over the years our bank has withstood the peaks and valleys of the nation's economy.

FDIC Insurance Coverage For Deposit Accounts

FDIC insurance covers all deposit accounts, including:

• Checking accounts
• Savings accounts
• Money Market deposit accounts
• Certificates of deposit

FDIC insurance does not cover other financial products and services that the bank may offer, such as stocks, bonds, mutual funds, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, for each account ownership category.

• We can review your relationship with us and provide suggestions on how to title your account(s) such that each account is insured to the FDIC maximum.

• Reminder: IRA's held by one person at a financial institution are FDIC insured up to a combined maximum of $250,000.

If you have additional questions regarding FDIC coverage of your specific accounts, please contact a financial center or visit the FDIC website.