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BNB Bank
P.O. Box 20013 Greeley Square Station
New York, NY 10001

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BNB Bank has no branches or other offices located outside of New Jersey, New York City, and Pennsylvania.
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CHANGES IN FDIC COVERAGE
      The standard insurance amount currently is $250,000 per depositor. The $250,000 limit is permanent for IRAs and other certain
      retirement accounts. The $250,000 limit is temporary for all other deposit accounts through December 31, 2013. On January 1, 2014,
      the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain
      retirement accounts, which will remain at $250,000 per depositor.

      Effective October 14, 2008, all non-interest bearing transaction deposit accounts held at BNB Bank, including personal and business
      checking accounts, are fully insured for the entire amount in the deposit account. This unlimited insurance coverage is temporary and
      will remain in effect until December 31, 2009. The extension of the temporary standard insurance amount of $250,000 through 2013
      does not apply to the Transaction Account Guarantee Program.

      For more Information about FDIC coverage, Please visit www.fdic.gov.

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