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FDIC Insurance Coverage:


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 FDIC insurance coverage of noninterest bearing transaction
accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.


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