NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “non interest-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 “non interest-bearing transaction account” includes a traditional
checking account or demand deposit account on which the insured
depository institution pays no interest. It does not include other accounts,
such as traditional checking or demand deposit accounts that may earn
interest, NOW accounts, money-market deposit accounts, and Interest on
Lawyers Trust Accounts ("IOLTAs").

To learn more about the types of accounts and coverage provided please visit the FDIC website at http://www.fdic.gov.