| 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.
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