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• On April 1, 2006, deposit insurance coverage for certain retirement plan deposits increased from $100,000 to $250,000. The basic insurance amount for all other ownership categories remains unchanged.
• As a result of the changes in insurance coverage, the �౦��Ϸ���� has updated all of its publications and other resources on deposit insurance coverage for consumers and bankers.
• The �౦��Ϸ���� developed the Spanish language video to make information about �౦��Ϸ���� insurance coverage easy to understand and available to a wide variety of individuals. The new Spanish language video is similar to the �౦��Ϸ����'s video "Overview of Deposit Insurance Coverage," which was released in English on July 5, 2006.
• The following �౦��Ϸ���� deposit insurance resources have been updated this year. All are now available at no cost to �౦��Ϸ����-insured institutions. More information about these materials, including how to obtain copies of them, is included on the following pages.
  • �౦��Ϸ����'s Inventory of Deposit Insurance Guidance
  • Electronic Deposit Insurance Estimator – Banker Version
  • Electronic Deposit Insurance Estimator – Online Version (only available on the �౦��Ϸ����'s Web site at www.fdic.gov/edie )
  • �౦��Ϸ����'s Video-Overview on Deposit Insurance Coverage
  • �౦��Ϸ����'s Video-Seminar on Deposit Insurance Coverage
  • �౦��Ϸ����'s Deposit Insurance Coverage Resources for Bankers
  • Insuring Your Deposits (English and Spanish brochures)
  • Your Insured Deposits (English and Spanish brochures)
  • Financial Institution Employee's Guide to Deposit Insurance Coverage

Continuation of FIL-75-2006

Distribution:
All �౦��Ϸ����-Insured Institutions

Suggested Routing:
Chief Executive Officer
Head of Deposit and Branch Operations
Compliance Officer
Training Officer

Note:
�౦��Ϸ���� financial institution letters (FILs) may be accessed from the �౦��Ϸ����'s Web site at www.fdic.gov/news/financial-institution-letters/2006/index.html .

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

Paper copies of �౦��Ϸ���� financial institution letters may be obtained through the �౦��Ϸ����'s Public Information Center (1-877-275-3342 or 703-562-2200).

Deposit Insurance Coverage
New Spanish Language Overview Video Now Available

The �౦��Ϸ���� has produced a new Spanish language video for bank employees and customers explaining federal deposit insurance coverage. The new video, featuring professional actors, is available for viewing by the public through the �౦��Ϸ����'s Web site and can be ordered by insured institutions on VHS, DVD and CD-ROM. This 30-minute video provides an overview of the �౦��Ϸ����'s rules and requirements for deposit insurance coverage, with specific emphasis on the most common account ownership categories used by individuals and families. The video reflects the increase in coverage to $250,000 for certain retirement accounts and other recent regulatory changes resulting from implementation of the Federal Deposit Insurance Reform Act of 2005. These changes to the �౦��Ϸ����'s insurance rules took effect on April 1, 2006.

In addition to launching the new Spanish language video, the �౦��Ϸ���� has updated the following deposit insurance resources this year:

• �౦��Ϸ����'s Inventory of Deposit Insurance Guidance , which is a CD-ROM with a searchable database of deposit insurance information categorized by topic; links to all �౦��Ϸ���� deposit insurance publications, products and services; a detailed list of questions and answers; and an A-to-Z glossary of deposit insurance terms.
• Electronic Deposit Insurance Estimator – Banker Version , which is an interactive computer application that allows financial institution personnel to estimate insurance coverage of customers' accounts quickly and easily. It is now available on CD-ROM. Bankers can continue to download the software from the �౦��Ϸ����'s Web site.
• Electronic Deposit Insurance Estimator – Online Version , which is a user-friendly Internet application that can help bank customers learn about deposit insurance and calculate insurance coverage on their accounts. It is available only on the �౦��Ϸ����'s Web site at www.fdic.gov/edie . Two formats are offered: a "Walk Me Through" format and a "Calculator" format. The "Walk Me Through" format is a step-by-step approach; the "Calculator" format is an all-inclusive approach that allows users to enter all necessary information on one screen.
• �౦��Ϸ����'s Video-Overview on Deposit Insurance Coverage – English Version , which provides a basic overview on how deposit insurance works, focusing on the most common account ownership categories used by individuals and families. It is available on the �౦��Ϸ����'s Web site at www.�౦��Ϸ����.gov/deposit/deposits/index.html#video as well as on VHS, DVD and CD-ROM.
• �౦��Ϸ����'s Video-Seminar on Deposit Insurance Coverage , which is a comprehensive presentation on deposit insurance coverage, explaining in detail the rules and requirements for all account ownership categories with illustrated examples. It is available on the �౦��Ϸ����'s Web site at www.�౦��Ϸ����.gov/deposit/deposits/index.html#video as well as on VHS, DVD and CD-ROM.
• Deposit Insurance Resources for Bankers , which is an audio presentation with Power Point slides that identifies, describes and demonstrates how an insured bank can use the �౦��Ϸ����'s many deposit insurance tools and resources to help employees explain �౦��Ϸ���� insurance coverage to depositors. This seminar is in English and only available on the �౦��Ϸ����'s Web site at www.�౦��Ϸ����.gov/deposit/deposits/index.html#video .
• Insuring Your Deposits (English and Spanish versions) , which is a short leaflet intended for bank customers that provides a basic overview of �౦��Ϸ���� deposit insurance coverage. (The �౦��Ϸ���� will release Chinese and Korean versions of this brochure in the third quarter of 2006.)
• Your Insured Deposits (English and Spanish versions) , which is a booklet that provides a comprehensive discussion of the �౦��Ϸ����'s deposit insurance coverage rules. (The English version of Your Insured Deposits was released previously; the �౦��Ϸ���� will release Chinese and Korean versions of this brochure in the third quarter of 2006.)
• Financial Institution Employee's Guide to Deposit Insurance Coverage , which is the most comprehensive reference the �౦��Ϸ���� provides on the rules for deposit insurance coverage. The guide can be downloaded from the �౦��Ϸ����'s Web site at http://www.fdic.gov/deposit/deposits/financial/index.html.

Ordering Copies from the �౦��Ϸ����

Insured institutions can now place orders for free copies of these resources online at: . Please allow four to six weeks for delivery.

All of the �౦��Ϸ����'s updated resources can be viewed on the �౦��Ϸ����'s Web site at: www.fdic.gov/deposit/deposits . Downloadable PDF files of Insuring Your Deposits and Your Insured Deposits are available in English and Spanish on the �౦��Ϸ����'s Web site at http://www.fdic.gov/deposit/deposits/index.html.