NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE

FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. 

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

CARD FRAUD ALERT

Community Shores Bank does not send text messages to our card customers regarding possible fraudulent transactions.  Customers have reported receiving such texts originating from 407-392-4074 and requesting them to enter their full 16-digit card number plus the PIN.  These communications are scams to obtain your card information to conduct illegal transactions.  Do not respond to them. 

Community Shores' fraud prevention system initiates phone calls to our cardholders requesting verification of potential fraudulent transactions.  We will not ask for your full card number or your PIN.