FDIC Insurance

IMPORTANT INFORMATION
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 accounts, visit www.fdic.gov.

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What does FDIC insurance mean to you, our customer?

The FDIC protects depositors against the loss of their deposits if an FDIC insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

FDIC insurance covers all types of deposits received from you at an insured bank, including deposits in checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs). Safe deposit boxes, and their contents are not insured.

FDIC deposit insurance covers the balance in your account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank's closing.

For more information on FDIC insurance protection of your deposits,
visit the FDIC website here.