NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

From December 31, 2010 through December 31, 2012, all non-interest bearing transaction accounts are fully insured, regardless of the account balance and the ownership capacity of the funds. This coverage is available to all depositors, including consumers, businesses, and government entities. The unlimited coverage is separate from, and in addition to, the insurance coverage provided for a depositor’s other accounts held at an FDIC – insured bank.

A non-interest bearing transaction account is a deposit account where:

• Interest is neither accrued nor paid;
• Depositors are permitted to make an unlimited number of transfers and withdrawals; and
• The Bank does not reserve the right to require advance notice of an intended withdrawal

A non-interest bearing transaction account also includes all deposits placed in an Interest on Lawyers Trust Account (IOLTA) or its equivalent.

NOTE: Money Market Deposit Accounts (MMDAs) and Negotiable Order of Withdrawal (NOW) accounts are not eligible for this temporary unlimited insurance coverage, regardless of the interest rate, even if no interest is paid.

On July 21, 2010, the FDIC insurance coverage was permanently raised to $250,000 per depositor for each account ownership category.

For more information see FDIC Frequently Asked Questions on the Dodd-Frank Act at www.fdic.gov/deposit/deposits.

NOTICE OF CHANGE IN FDIC’S CONSUMER RESPONSE CENTER MAILING ADDRESS

The FDIC’s Consumer Response Center (CRC) receives, investigates, and responds to consumer complaints and other inquiries involving depository institutions supervised by the FDIC (state non banks and insured state branches of foreign banks). Effective March 28, 2011, the CRC new mailing address is as follows:

FDIC
Consumer Response Center
1100 Walnut St., Box #11
Kansas City, MO 64106