NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS:
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 FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov .
 FRAUD ALERT
- If you have received a letter and "Official Check" from Pacific Lotto, Inc. notifying you that you are a lucky winner, do not cash or deposit the check you received. The checks are fraudulent. The amounts of the checks vary and are all signed by R.P. Sehring. The address and telephone number on the check are not correct. Merchants Bank of Rugby, North Dakota is not associated with Pacific Lotto, Inc. in any way.
 CYBER ALERT
- Attention Online Customers - Cyber criminals have launched a major e-mail campaign to deploy the infamous Zeus TROJAN e-mail, which will send spam messages disguised as fraud alerts from the Internal Revenue Service (IRS), Twitter account hijack warnings, or salacious YouTube.com videos. Do not open the attachments or download information from unexpected or spam e-mails. Make sure you have an up-to-date antivirus, antispam and antispyware program on both your home and business computers to protect your valuable information from Cyber Fraud.
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