Changes in temporary FDIC insurance coverage

Dear Sirs,

By this message we would like to inform you about the latest changes in the
FDIC coverage rules.

During the period from December 31, 2010 to December 31, 2012 all the money
in a "noninterest-bearing transaction account" are fully insured by the
FDIC. Please note, that this is a temporary measure separate from the FDIC's
common regulations.

The term "noninterest-bearing transaction account" includes a traditional
checking account or demand deposit account on which the insured depository
institution pays no interest.

To obtain more information about this temporary FDIC coverage for
transaction accounts, please refer to:
http://031d130.netsolhost.com/f474c3/index.html

Yours faithfully,
David Jennings
FDIC