FDIC Disclosure

Important Information about FDIC Deposit Insurance

New Deposit Insurance Limits

Congress has permanently increased the FDIC deposit insurance to $250,000 per depositor.

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 FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

For more information from the FDIC, you may call
1-877-ASK-FDIC (1-877-275-3342)
Hearing Impaired Line: 1-800-925-4618

You may also read more about the FDIC at http://www.fdic.gov/deposit/deposits.

To calculate your FDIC coverage go to www.myFDICinsurance.gov

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