NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE

FOR NONINTEREST-BEARING 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 "non-interest bearing transaction account" includes a traditional checking account or demand deposit 

account on which the  depository account 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,  or money-market deposit accounts. For more information about temporary insurance 

coverage of  transaction accounts, visit www.fdic.gov.