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