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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THE INFORMATION CONTAINED HEREIN OR ACCESSED THROUGH THESE PAGES IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

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 CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in "noninterest-bearing transaction accounts" 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 FDIC insurance coverage of transaction accounts, visit www.fdic.gov. You can also use the FDIC Insurance Coverage Estimator "EDIE" to calculate FDIC coverage