State Bank & Trust Company is participating in the FDIC’s Transaction Account Guarantee Program.

Under that program, through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

State Bank & Trust Company is required to enforce a prohibition in a federal law, the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA), against commercial customers’ receipt through their accounts of any deposit or credit of any kind derived from illegal internet gambling.  By continuing to maintain an account with the bank, you agree not to engage in illegal internet gambling, and to tell us if your account is ever used in connection with any form of internet gambling, even if  you believe it is legal.  If you do not notify us, we may deny further access to various payment methods, close your account or take another action which we believe to be necessary to comply with UIGEA.