Notice of Changes in Temporary FDIC Insurance for Transaction Accounts

Notice of Extension of the TAG (Transaction Account Guarantee) Program

The Dodd-Frank Act provides unlimited FDIC insurance for non-interest-bearing transaction accounts for all banks effective on December 31, 2010 and continuing through December 31, 2012.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing 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 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.

Should you have any questions regarding this FDIC notice of changes, please contact a Personal Banker at 217-789-3500.

*Revised December 31, 2010. IOLTAs (Interest On Lawyers Trust Accounts) are now included per revision to the Dodd-Frank Act.