Notices and Disclaimers

Copyright 2005 by Heritage Bankshares, Inc.

All information on these pages is protected by a compilation copyright in the United States of America and in other countries. In addition, certain information is copyrighted by others. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on the Heritage Bankshares, Inc. website.

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References to corporations, their services and products, are provided "as is" without warranty of any kind, either expressed or implied. In no event shall Heritage Bankshares, Inc. be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data, or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information.

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transactional account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositors’ accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, Click Here.