FDIC Transaction Guarantee Program

NOTICE OF EXPIRATION OF TEMPORARARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING ACCOUNTS


By operation of federal law, beginning January 1, 2013, funds deposited into 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 depositors's accounts at an insured depository institution, including all noninterest-bearing tranaction accounts, will be insured by the FDIC up to the 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/deposits/unlimited/expiration.html