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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
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