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Effective January 1, 2013

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

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

For more information about FDIC coverage, please visit www.fdic.gov. or see one of our Customer Service Representatives.