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 acccounts, visit www.fdic.gov.

FDIC Deposit Insurance Coverage Limits

Single Accounts (owned by one person) $250,000 per owner

Joint Accounts (two or more persons) $250,000 per co-owner

Certain Retirement Accounts (includes IRAs) $250,000 per owner

Revocable Trust Accounts
$250,000 per owner per beneficiary up to 5 beneficiaries (more coverage is available with 6 or more beneficiaries subject to specific limitations and requirements)

Corporation, Partnership and Unincorporated Association Accounts
$250,000 per corporation, partnership or unincorporated association

Irrevocable Trust Accounts
$250,000 for the non-contingent, ascertainable interest of each beneficiary

Employee Benefit Plan Accounts
$250,000 for the non-contingent, ascertainable interest of each plan participant

Government Accounts
$250,000 per official custodian

You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator at www.myFDICinsurance.gov. For questions about FDIC coverage, call toll-free 1-877-ASK-FDIC or ask a representative at your bank.

For more information visit www.fdic.gov