Kevin Larson President klarson@charterwest.com	Brian Reimers Vice President breimers@charterwest.com
Mark Svec Vice President msvec@charterwest.com	Dan Wortman Assistant VP dwortman@charterwest.com
Steven Brune Vice President sbrune@charterwest.com	Christy Steffen CFO/Cashier csteffen@charterwest.com
Carol Lofgren Vice President clofgren@charterwest.com	James Colson Loan Officer Asstistant Cashier jcolson@charterwest.com
Larry Bayer Loan Officer lbayer@charterwest.com

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.