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Notice of Funds Availability Change

Due to changes to Federal Regulation CC, effective 7/21/2011, in the event that we place a hold on your check deposit, the first $200 of your deposit will be immediately available to your use. This is an increase from the current $100.

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 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 does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTA'S).

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov .