United Mississippi Bank

February 8, 2012

Photo-River Boat docked in Natchez, Mississippi on the Mississippi River at Sunset


	PHISING SCAM ALERT January 27, 2012. There is an email going around claiming to be from eNFACT, a company that monitors debit card fraud. This email is NOT legitimate. Please do NOT click on any of the links contained in this email. Neither our systems nor your transactions have been compromised. This is a phishing scam - an attempt to get information from an unsuspecting person. ATM CHECK DEPOSIT You now can deposit a check, without a deposit slip, at one of our ATMs located at Wal-Mart Supercenter, MotorBank South, Centreville, and Woodville MotorBank. You must have a UMB debit card. You will receive a copy of the check along with your receipt for the deposit. Stop by one of these locations for a demonstration. SECURITY Staff at United Mississippi Bank will never contact you and ask for your account number, pin number or social security number for your accounts with us. Please do not give this personal information to anyone contacting you and identifying themselves as an employee at UMB. LOST OR STOLEN DEBIT CARD To limit your liability call 601-445-7000 or 1-800-VISA-911 if your card or PIN is lost, stolen or used without authorization.

	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 temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.