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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE COVERAGE
FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS.

By operation of federal law, beginning January 1, 2013 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). Beginning January 1, 2013, all of a depositorís accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of Noninterest-bearing transaction accounts visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

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FDIC
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