Deposits Insured In Full

Important Notice Regarding Deposit Insurance
Effective October 3, 2008 through December 31, 2009, Federal Deposit Insurance Corporation (FDIC) insurance coverage limits have increased. Coverage is automatic and there is no need for depositors to apply for or request FDIC insurance. The new limits refer to the total of all deposits that an accountholder(s) has at each FDIC insured bank.

• Single Accounts (ownedby one person):
  $250,000 per owner
• Joint Accounts (two or more persons):
  $250,000 per co-owner
• IRAs and certain other retirement accounts:
  $250,000 per owner
• Trust Accounts $250,000:
  per owner, per beneficiary, subject to specific limitations and requirements

FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). FDIC insurance does not, however, cover other financial products and services that insured banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities.

FDIC Transaction Account Guarantee Program
Berkshire Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-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.

If you have any questions about FDIC coverage limits and requirements, please visit www.myFDICinsurance.gov or call toll-free 1-877-ASK-FDIC.

Depositors Insurance Fund (DIF)
All deposits above the FDIC limit are insured in full by the Depositors Insurance Fund. The combination of FDIC and DIF insurance provides customers of Massachusetts-chartered savings banks with full deposit insurance on all their deposit accounts. No depositor has ever lost a penny in a bank insured by both the FDIC and the DIF.

DIF insurance coverage requires no applications or special forms. Depositors automatically receive this added insurance benefit at no cost whenever they make a deposit to a new or existing account at a DIF member bank.

For more information about deposit insurance coverage contact us, stop into your nearest Berkshire Bank office or visit the following websites.

Electronic Deposit Insurance Estimator (EDIE)
Federal Deposit Insurance Corporation (FDIC)
Depositors Insurance Fund (DIF)