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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

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to read this notice carefully to understand what we do.

FDIC Notice

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.

Fannie Mae Mortgage Collection

Complaint Escalation Process

If you are dissatisfied with the handling of the collection process on your Fannie Mae Mortgage that was obtained through Central Savings Bank, you may wish to file an escalated complaint. Please submit a written request to:

Mr. John Allison, Sr Vice President

Central Savings Bank

511 Bingham Avenue

Sault Ste Marie, MI 49783

Or Call: 1-800-562-4880

Upon receipt of your request, Central Savings Bank will provide fair consideration and timely resolution of the escalated case.

In accordance with Fannie Mae Guidelines, the following steps will be followed:

· Within three (3) business days following receipt of your escalated case, Central Savings Bank will acknowledge your inquiry in writing via e-mail, fax, or US mail and provide the date by which we will resolve the escalated case. (No more than 15 calendar days from the date the inquiry was received.)

· If the bank fails to resolve the escalated case by the resolution date, the Bank may extend the resolution date for an additional 15 days; however, the resolution time for an escalated case will not exceed 30 days.

Within five (5) business days of identifying the proposed resolution, the Bank will communicate to you in writing the proposed resolution and next steps, if applicable.