Disclosures

• Business Account Disclosure
• Certificate of Deposit Disclosure
• Personal Accounts Disclosure
• Substitute Check Policy Disclosure 
• Electronic Funds Transfer (Reg. E)
• Availability of Funds (Reg. CC)
• Privacy Disclosure
• Security Disclosure

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.