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 IOLTA) 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 deposit insurance amount ($250,000), for each deposit insurance ownership category.

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

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Important disclosures regarding the guarantee program click here Temporary FDIC Insurance Coverage for Transaction Accounts