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.

Temporary Liquidity Guarantee Debt - This debt is guaranteed under the FDIC and is backed by the full faith and credit of the United States. The details of the FDIC guarantee are provided in the FDIC's regulations, 12 CFR Part 370 and on the FDIC's website at www.fdic.gov/tlgp. The expiration date of the FDIC's guarantee is the early of maturity date of the debt of June 30, 2012.