FIRST BANK OF LINDEN First Bank of Linden, we are committed to meeting the needs of our customers with convenient banking technology as well as exceptional customer service. We have served the financial needs of our good friends and neighbors since 1904 in a personal, home owned and operated manner. All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation 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 "noninterest-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 FDIC insurance coverage of transaction accounts, visit www.fdic.gov. Notice To Commercial Customers The Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the ACT) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. As defined in Regulation GG, unlawful internet gambling means to "place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State in which the bet or wager is initiated, received or otherwise made." As a customer of First Bank of Linden, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.