You have a sweep arrangement in connection with the noninterest-earning checking account you have with us. We participate in the transaction account guarantee program offered by the Federal Deposit Insurance Corporation (FDIC). This means that funds held in your noninterest-earning checking account are insured in full by the FDIC through December 31, 2012. However, under this sweep arrangement funds are transferred to an interest-earning account that does not qualify for full deposit insurance coverage under the FDIC transaction account guarantee program. This action voids the FDIC’s guarantee with respect to the swept or transferred funds. However, funds held in interest-earning savings will continue to be insured through December 31, 2012, for up to $250,000.00 under the FDIC’s general deposit insurance rules.