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PHISHING SCAM ALERT

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 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 Increase in Coverage by FDIC
The Emergency Economic Stabilization Act of 2008 signed by President Bush on October 3, 2008, temporarily raises the basic limit on FDIC insurance coverage from $100,000 to $250,000 per depositor. Congress has extended this increase in coverage through December 31, 2013.

Educational Information
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* Annual Percentage Yield as of 1/28/2012. APY is subject to change. Fees paid may reduce the earnings on these accounts. There is no required minimum balance to earn interest for Interest Checking, but you must deposit $50 to open the account. For CDs, you must deposit $500 to open the account and earn the stated APY. Early Withdrawal Penalties may apply and may reduce the earnings on these accounts.