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.

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