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.

*Securities and Insurance Products: NOT insured by the FDIC, or any Federal Governemnt agency.  NOT a deposit of or guaranteed by a bank or any bank affiliate.  MAY lose value.

**Securities are offered by Raymond James Financial Services, Inc., Member FINRA, SIPC. Raymond James Financial Services, Inc., is independent of any financial institution. Securities (1) are not deposits of this institution; (2) are not insured or guaranteed by the FDIC or any other government agency; (3) are not obligations of, or guaranteed by, any financial institution; and (4) involve investment risks, including the potential of fluctuations in investment return and the potential loss of principal.

***Fees may apply to ATM usage outside the American National network. Qualifications may be required.