NOTICE OF EXPIRATION:
TEMPORARY UNLIMITED 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. Absent a change in law, beginning January 1, 2013 the FDIC will no longer provide separate, unlimited deposit insurance for non-interest bearing transaction accounts.

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, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction account, visit www.fdic.gov.