NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE FOR TRANSACTION ACCOUNTS

                               NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE

                                           COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest –bearing transaction account” are insured in full by 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 also includes interest on Layers Trust Accounts (“IOTA’s”). It does not include other accounts, such as traditional checking or demand 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 .