In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, through December 31, 2012, all funds in‘ ‘noninterest-bearing transaction accounts’’ are insured in full by the National Credit Union Administration. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share Insurance rules. The term ‘‘noninterest-bearing transaction account’’ includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no dividend. It does not include any transaction account that may earn dividends, such as a negotiable order of withdrawal (‘‘NOW’’) account, money-market account, or Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account. The temporary full insurance coverage of ‘‘noninterest-bearing transaction accounts’’ expires on December 31, 2012. After December 31, 2012, funds in noninterest-bearing transaction accounts will be insured under the NCUA’s general share insurance rules, subject to the Standard Maximum Share Insurance Amount of $250,000. For more information about NCUA insurance coverage of transaction accounts, visit http://www.ncua.gov.

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