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SPECIAL FDIC INSURANCE NOTICE

As a reminder to our business customers, the temporary unlimited FDIC insurance on noninterest- bearing transaction accounts, provided for within the Dodd-Frank Act and enacted by the FDIC on December 31, 2010, expired on December 31, 2012.

The Dodd-Frank provision followed the FDIC's voluntary Transaction Account Guarantee ("TAG") Program, which was enacted in October 2008; ran through December 2010; and served to provide stability during the country’s most recent economic downturn.

As of January 1, 2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category.  For more information, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

If you have questions or concerns, or would like information about alternative FDIC products, please contact:

Stephanie Hansen
VP & Cash Management Officer
651.289.2226
Contact Stephanie
Rosemary Davis
Deposit Services Officer
651.289.2223
Contact Rosemary

Agata Dittfurth
AVP & Deposit Services Officer
763.398.5810
Contact Agata

Patricia Pawlik
AVP & Deposit Services Officer
952.837.0673
Contact Patty