Important FDIC Insurance Notice

Effective January 1, 2013

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC 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 FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

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

If you have questions about the FDIC insurance coverage of your accounts with us, please visit our Contact Us page to get in touch with a Customer Service Representative, contact your Bank representative directly, or contact the FDIC at www.fdic.gov.

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