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 additional 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 does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money –market deposit accounts.

Interest on Lawyers Trust Accounts (“IOLTAs”) will also receive the unlimited insurance coverage as noninterest-bearing transaction accounts for the two years ending December 31, 2012.

For more information about temporary FDIC insurance coverage of transaction accounts visit: www.fdic.gov .

For customers who have interest bearing checking accounts and were previously covered prior to this new ruling, please be advised of this change in insurance coverage. You may call the bank and speak to one of our New Accounts Representatives for any questions relating to the FDIC insurance limits.

530-879-5900.