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 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"). For more information about temporary FDIC
insurance coverage of transaction accounts, visit www.fdic.gov.
