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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) 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