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 through December 31, 2012, and, in addition, interest on Lawyers Trust Accounts ("IOLTAs") are included in the definition of "noninterest-bearing transaction account". 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. For an FDIC insurance calculator using general deposit account rules, visit https://www.fdic.gov/edie.

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 does not include other accounts, such as traditional checking or demand 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.