FDIC's Transaction Account Guarantee Program.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-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 non-interest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit amount ($250,000), for each deposit insurance ownership category.

For more information please call us or the FDIC at 1-877-ASKFDIC or you can refer to the FDIC web site at http://www.fdic.gov/regulations/resources/TLGP/faq.html

You may also reference the latest information by accessing FDIC Financial Institution Letter at http://www.fdic.gov/news/news/financial/2012/fil12045.html