FDIC Insurance Coverage

FDIC deposit insurance coverage is currently set to at least $250,000.00 per depositor.

Your deposits are FDIC insured. You may qualify for more than $250,000 in coverage at any one insured bank if you own deposit accounts in different ownership categories. In addition, federal law provides up to $250,000 in deposit insurance coverage for self-directed retirement accounts, such as Individual Retirement Accounts (IRAs). For additional information you may call the FDIC at 1-877-275-3342 or access information at www.fdic.gov. Fees could reduce your earnings. For additional account information, please refer to your account rules or 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 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 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