Notice of Changes in Temporary FDIC Insurance

                   Coverage for Transaction Accounts

                               All funds in a "noninterest - bearing transaction account" are fully

                                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, view www.fdic.gov.