Notice Regarding The Federal Deposit Insurance Corporations's [FDIC's] Deposit Insurance Coverage

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 http://www.fdic.gov.

*Traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts are covered under the FDIC's standard maximum deposit insurance rules.

Notice of Changes in Standard Maximum Deposit Insurance

On July 21, 2010, FDIC's standard maximum insurance amount permanently increased from $100,000 to $250,000 per depositor, per insured depository institution for each account ownership category.

Transfers From a Non-Interest Bearing Account to an Interest Bearing Account, Including Sweep Arrangements

Sweep arrangements or other transfer requests (i.e. telephone, Internet, In-person) may affect your FDIC deposit insurance coverage. If funds from a non-interest bearing account that would be guaranteed under the Temporary FDIC Insurance Coverage for Transaction Accounts (where the entire amount on deposit is guaranteed through December 31, 2012) are transferred to an interest bearing accounr, the sweep or transfer voids the FDIC's guarantee under the Temporary FDIC Insurance Coverage for Transaction Accounts with respect to the transferred funds. However, the transferred funds would be covered under the FDIC's standard maximum deposit insurance rules.

For more information about temporary FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov.