NOTICE OF EXPIRATION OF THE TEMPORARY FULL Federal Deposit Insurance Corporation INSURANCE 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 depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the Federal Deposit Insurance Corporation up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about Federal Deposit Insurance Corporation insurance coverage of noninterest bearing transaction accounts, visit https://www.fdic.gov/news/financial-institution-letters/2012/fil12045.html.