Notice of Changes in Temporary FDIC Insurance Coverage
for Transaction Accounts

All funds in a "non-interest-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 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.