Tim Austin
Vice President
Loans
Sparta

Tim is a lifetime resident of Christian county, being raised on a farm in Ozark.

Tim attended SMSU with an Emphasis in Agricultural Economics. He has over 15 years experience in banking including construction, agricultural, commercial and consumer lending.

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Each depositor is insured up to at least $250,000 through FDIC.

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

Legacy Bank and Trust will never ask you to provide personal information by way of e-mail. This includes your account numbers or ATM PIN (Personal Identification Number). Click here to read our Privacy Statement and Privacy Disclosure.


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