FDIC Insurance Changes

Effective through December 31, 2013:

• Basic Insurance. Basic FDIC insurance has been increased from $100,000 to $250,000 per depositor per insured financial institution.

On January 1, 2014:

• Basic FDIC insurance will return to $100,000, except for deposits in IRAs and certain other retirement accounts, which will remain at $250,000 per depositor.

Effective through December 31, 2010:

• Transaction Account Guarantee Program. AmBank is participating in the FDIC's Transaction Account Guarantee Program under which all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Funds automatically transferred to a non-deposit account or other account not subject to this Program will void the FDIC's guarantee with respect to the transferred funds. Coverage under this Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

American Bank of Commerce

Provo, Utah