• Personal service you won't receive anywhere else in town


• Responsive decisions on your loan request


• Local, person-to-person service

AN IMPORTANT MESSAGE FROM CHAIRMAN AND CEO, MIKE SICKELS

The hype of recent news reports and headlines may very well have you concerned about the banking industry. For your information, we have provided the following facts about deposit insurance and People's Bank:

• Your deposits are FDIC insured up to $100,000 and possibly to $600,000, depending on how your deposit accounts are structured. One of our personal bankers can assist you with determining whether you can insure more than $100,000 in deposits at People's Bank.


• People's Bank of Commerce is well-capitalized. The FDIC requires People's Bank to have a minimum capital of at least 4% or $3.4 million and sets a minimum of 5% or $4.3 million to be considered "well capitalized." As of 12/31/07, People's Bank's capital totaled $11.4 million or 13.3%; more than double the FDIC requirement needed to be considered "well capitalized."


• People's Bank is rated as "excellent" with four stars by Bauer Financial, an independent organization that rates the safety and soundness of financial institutions. Four stars indicate that Bauer Financial recommends People's Bank to consumers. Visit Bauer Financial at: www.bauerfinancial.com.


• People's Bank is and has been a conservative, common sense lender. Since we opened in 1998, we have never had a loss due to a subprime loan.

We welcome your call or visit at one of our branches to discuss your questions or concerns.

For more information about FDIC insured deposits, please visit the following government sponsored site: