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Disclosures

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 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 insurance amount ($250,000.00), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of non-interest-bearing transaction accounts, visit:
http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

Routing Number 036018969 NMLS 631177
FDIC Equal Housing Lender