NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS - EFFECTIVE JANUARY 1, 2013
By operation of federal law, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). All of a depositor's accounts at an insured depository institution, including all noninterest-bearing accounts, will be insured by the FDIC up to the standard maximum standard maximum deposit insurance amount ($250,000), for each ownership category.

For more information about FDIC insurance coverage, visit www.fdic.gov.