NOTICE REGARDING SWEEP ACCOUNTS AND FDIC INSURANCE

Mutual of Omaha Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under the program, through December 31, 2009, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.

Please be advised though that if you participate in a bank sweep product or program where your transaction account may be reclassified as an interest-bearing account, your account may not be eligible for the guarantee provided under the program. However, your balance in your transaction account would be covered by the FDIC’s temporary limit of $250,000 until December 31, 2009.

In addition, you may be eligible for coverage under the U.S. Treasury’s Temporary Guarantee Program for Money Market Funds, which is not covered by FDIC insurance. Please contact your account representative if you would like more information about this program.