Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

January 3, 2011

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 insurance 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, demand deposit account, and Interest on Lawyers Trust Accounts ("IOLTAs") 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 accounts, visit