Temporary FDIC Coverage Increase

Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013.

Temporary Liquidity Guarantee Program

This institution has elected to participate in the FDIC's Transaction Account Guarantee Program.  Under that program, through December 31, 2009, all non-interest bearing transaction accounts are full guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Included in the classification of “non-interest bearing accounts” are NOW and Super NOW accounts as long as the interest paid is equal to or below 0.50% by December 31, 2008, and remains below 0.50% during the coverage period.