federal law, as of 1/1/2013, 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/deposits/unlimited/expiration.html. Should Congress
change this date, information will be posted on peoplesbankcoldwater.com.