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FDIC STANDARD INSURANCE COVERAGE
As a result of the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act on July 21, 2010, the standard maximum FDIC deposit insurance amount has been permanently increased to $250,000 per depositor, per insured bank, for each ownership category.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR
TRANSACTION ACCOUNTS

All funds in a “Non-interest 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 “non-interest bearing transaction account” includes a traditional checking account or a demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional accounts that may earn interest, NOW accounts, money market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, please visit the WWW.FDIC.GOV.