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Effective December 31, 2010 all noninterest-bearing transaction share accounts are fully insured for the entire amount in the share account. Noninterest-bearing transaction accounts are transaction accounts where interest is neither accrued nor paid, depositors are permitted to make an unlimited number of transfers and withdrawals, and the bank does NOT retain the right to require advance notice of a withdrawal. This unlimited insurance coverage is temporary and will remain in effect at all federally insured depository institutions through December 31, 2012.

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