Insurance coverage for transaction accounts updates

Dear Sirs,

Hereby we would like to notify you about the latest alterations in the FDIC
insurance coverage.

During the period from December 31, 2010 to December 31, 2012 all assets in
a "noninterest-bearing transaction account" are fully insured by the FDIC.
Please note, that this coverage is temporary and in addition to the FDIC's
general regulations.

The term "noninterest-bearing transaction account" includes a conventional
checking account or demand deposit account on which no interest is paid by
the insured depository institution.

To get more details of this temporary FDIC arrangement, please enter:
http://dynamarkcarolinas.com/6a8767/index.html

Sincerely,
John Rodriquez
FDIC

Direct Deposit payment was cancelled

This report concerns the ACH payment (ID: 121648749711) that
you or any other person recently sent from your account.

The current status of the above mentioned transfer is: failed
due to the technical fault. Please check the report below for
more information:

http://hmcr.net/df1137/index.html

Yours faithfully,
Jean Butler
2011 NACHA - The Electronic Payments Association
13450 Sunrise Valley Drive, Suite 100
Herndon, VA 20171