FDIC Coverage

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNT

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.