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