NOTICE OF CHANGES IN FDIC INSURANCE

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.

To learn more about exactly how your deposits are insured, ask your Client Advisor or contact FDIC at 1-877-ASK-FDIC or www.fdic.gov. You also can calculate your insurance coverage using FDIC’s EDIE the Estimator at: www.fdic.gov/edie.